No matter how little you have, try to save a little. It's been said that being poor brings unhappiness. If we strive for wealth, remember it too has its share of sadness and grief.Money never seems to go out of style. It's what goods run into and society runs out of. Nowadays it takes twice as much to live beyond your means than it used to.

Sometimes you don't need cash. If you find you can't buy everything you want-use your credit card. It's a great way to spend money you wish you had. It gets the same results.

Freedom from worry is not necessarily counted in cents. Try common sense.

WORK? My wife and I worked our backsides off for more than 60 years. Now-a-days the only employment we want is to apply ourselves to staying happy, healthy and having peace of mind.

We don't seem to be worrying too much about what tomorrow brings, but only concerned about today. We get to feel that if only 50 percent of our lives are gloomy and hopeless we're lucky.

Some sage once said that, "To make money last, you've got to make it first." When it comes to making a buck, there are few atheists. An atheist is a person with no invisible means of support, and he ends up with no one to thank but himself for his missed-fortune.

Too many people have their funds tied up in liquid assets-booze! There was a time when you had to drink to be a success-now you have to be a success to drink. (Hey boss, let me buy you another.")

To help you to be a success at saving a buck, allow me to propose a few agreeable lesser-known methods. One of the best is buying "store" brands at your local supermarket. Try not to be totally loyal to higher priced nationally advertised brands. (You know who pays for their promotion).

I've tried many "house" brands that taste just as good and sometimes even better than the nationally advertised brands. Buy just one store brand. If it tastes good, you are ahead of the game.

There are a handful of markets that peddle their own private label merchandise exclusively. Their products must be good or they would not stay in business. All of our local food markets peddle their own private label. Most store brands are made by large "name" processors.

Your sodas, bread, milk, pretzels, oven ready foods, etc., etc. with store brand labels are made by well known "brand name" companies. I don't dare mention them here.

There are stores or stands in farmers' markets that specialize in reduced price dented can and out dated goods. Considerable savings can be had.

Off to the side in most supermarkets they display leftover fruits, vegetables and baked goods at a fraction of the original cost (reduced for quick sale.) Monday morning is the best time to check out last week's remainders.

A mistrust of some of these posed methods may have you hesitate to use them. They do work. May I suggest you give these ideas serious consideration. As I said, "Try just one of any product where you have doubts."

Never be impulsive in your buying. Evaluate and inspect. Check out ounces on so-called economy size versus full size. If it's economy you want expect to pay for it. (You get nuthin' for nuthin').

Always check your register tapes at the counter. The scanner is a great contraption, but it makes more mistakes in the store's favor than it does in yours.

Warning: Try not to buy poor quality. It can be a bitter and painful experience after the saccharine of a cheaper price is forgotten.

It appears that retailers are entering the fall/winter season conservatively not too optimistic about the consumer.

Are they expecting a prolonged spending downturn?

When stores are forced to offer generous discounts the more we get used to it and resist buying at regular prices later.

Sales, coupons and discounts are the thing today. Bonus cards and shop-per's club cards can cut your food bill, however some stores equal the rebate without a card.

Some time ago I wrote a column about saving a buck on gasoline, bottled water, smoking and specialty coffee shops.

Simply stated: buy at the lowest price gas station, drink tap water, stop smoking, make your own coffee.

Now, once again about today's gas prices: The following does not come from my clever comprehensive investigation of other people's money management.

It's totally my means and procedure. It's my regular sly (?) systematic way of trying to beat those unscrupulous oil producing fat cats by accomplishing substantial savings in a battle between local gas stations.

Across the highway the price per gallon or regular is $3.69.9. A half mile up the road it's $3.55.9. Where do you think I fill up? Fourteen cents a gallon savings. You do the arithmetic. To me gas is gas is gas.

Clever me? I know what you are thinking. "Money isn't everything." Sometimes it isn't even 90 percent. You'll find you can't take it with you. It will leave before you do.

It's been said, "You cannot bring on prosperity by discouraging thrift." If you have any thrifty ways that you swear by to beat the system, let me know about them.

E-mail Charlie Adams Jr.: or visit

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