If you think you make too little money to be able to save, think again. Lots of studies show that it's all about the attitude. One big reason many of us don't save is that we've never really been taught to think about putting money in the bank-only spending it. Sometimes we're just clued out about our financial picture. So, educate yourself, figure out what you make and what you owe, and if you don't like the picture you see, change it. It's easy enough to do-here are just a few ways you can keep more of your money, and make a bit, too.

Buy it used. Do you really need a brand new lawn mower? Even if you buy it refurbished from a dealer, complete with warranty, buying it used can save you big bucks. Do the same for other big ticket items, too, like kitchen appliances or BBQs.

Buy the least. If you're determined to buy it new, forego all the extras. Every bell or whistle you get can add big dollars-and not necessarily better value-to your purchase. So pare down that buy to the minimum that meets your family's needs.

Rent out a room. Is your daughter headed for college, or getting her first apartment? Fill that room with someone else who might be coming to your town for a few terms. It's only a little inconvenient, and it can bring in a nice monthly income.

Forego the extended warranty. Studies are pretty clear that if something's going to break down, it's likely going to happen when the item is under the manufacturer's warranty. So keep that money in your pocket.

Pay off those credit cards. This idea isn't new, but it's worth repeating. Pay your credit cards off every month. Not only will you feel better, your credit rating will soar.

Buy with cash. We all know this one by now, but do you do it? One way to convince yourself that cash is a good strategy is to just add up all the overdrafts, interest payments, and NSF costs that you have incurred in the last 30 days. It may well convince you that cash costs less-and saves you more.

Learning how to think creatively about ways to either save money or make more money only takes a bit of brainstorming. But all these ideas can add up to big savings for you and your family-and mean that you're ready with cash for emergencies, special purchases, or future plans.