One of our constant goals is to save our pennies. Have some more cash in the bank and in our pockets after the bills and rent are paid so we can enjoy it more.

Here are some handy tips to keep more cash in your pocket and less going out on bills.

Cut down on unnecessary expenses. A lot of us have cable TV, some even have satellite. But in reality, the overwhelming average person only watches perhaps 21 hours of TV a week, and of those 21 hours, most of them are spent on two major channels. So, for a money-saving tip - reduce your cable or satellite subscription package. Cut out the extra channels you don't even watch. The average cable bill in the US will full service is upwards of $72 - but basic cable normally only costs around $24. How many people rally watch all the extra channels enough to justify spending $48 a month in extra expenses? That's 12 Frappuccinos.

Another wasteful area is eating out all the time. Especially if you work in a big office building. Quite commonly you'll go to the cafeteria or go to the lunch place around the block and spend anywhere from $4 - $16 a weekday on lunch alone.

For under $16 I'll tell you how to make a week's worth of lunches that'll knock your taste buds out and make your pocketbook happy. You go and buy a pack of pita bread or soft burrito rounds, those big ones in the bulk section. A bag of 12 normally costs about $4. Now, buy some pre-cooked chicken or ham($4), a bag of tossed salad or coleslaw($3), and some condiments ($4). Chop up the meat and split it into 5 equal sections. Freeze all of them in baggies until you need them for lunch. Make up the salad or coleslaw as needed, keeping the remainder in the fridge as it will be good for a week in the cold. Add some sauces like mayo or bbq and you'll be set. A lunch wrap that's as good if not better than what you'd buy in a shop and it will save you enough to easily get another 5 frappuccinos that week.

Also - how many people have more than one bank account? I know I do. If you are only using them occasionally, and not as they are being used, then close them. Most bank account have monthly interest and bank charges that can be anywhere from $5 to $25 a month. Closing or merging account can save you a bundle, not only in bank fees but in stress as you don't have to worry about all those accounts any more. And for every $4 you save, another Frappuccino gets added to your balance.

So to recap - if you want to have more Starbucks coffee, and to be honest, who doesn't. The only real way is to save more money to spend it on Starbucks coffee. By following these few tips you can save enough to have a Frap every working day for a month, easy. That's 20 Fraps or $100 - pretty cool, huh?