People with modest incomes sometimes save more than others who earn considerably more, says Carol Young, Kansas State University Research and Extension family financial management specialist. How do they manage to do it? Find out here!

Starting small
"Paying down debt and building savings need not be a dream. The trick is learning to use what you have wisely," says Young, who offered this example: A father enjoyed taking his three children to a convenience store on Saturday mornings for chocolate milk and cinnamon rolls. The outings cost about $15 each week -- or $60 a month -- and the family began coming up short.

Don't spend it all! 10 easy, everyday ways to save money| Sheknows.com