Spending money as fast as you make it. A problem so many people can't afford to have these days.

Author Bob Brumm offers solutions in his book "Money to Burn."

LOG YOUR DAILY SPENDING

Seeing what you actually spend money on might help you change your ways-- like $4 dollar lattes and such. Making your own flavored coffee will save you $960 bucks a year according to Brumm. Combine that with buying pop and snacks in bulk, making your lunch four days a week and looking for freebies when eating out, and you can have an extra $425 dollars at the end of the month.

LOW-COST CONSUMER GOODS

Printer cartridges for a quarter of the price can be found at printpal.com. The Dollar Store or Dollar General is a great place for everyday household items like soap and toothpaste.
And one word-- vinegar! Vinegartips.com is where the author found dozens of uses for vinegar so, for one, you can stop buying expensive household cleaners.

BE TIM "THE TOOL MAN" TAYLOR

Home improvement might be where you can save the most, but you may be taking the most risk as well. Brumm saved more than $15,000 dollars by building a roof over his deck himself. The key is finding books that teach you and then doing it yourself. You can also find discount tools at harborfreight.com and homier.com.

Bob Brumm's book and web site can be seen at savewhatyouearn.com.