It's tougher to save money these days, with rising interest rates on home mortgages and credit cards, higher fuel costs, and soaring college tuition and education costs. So Kiplinger's writers talked to people like you to find out how they save -- on everything from day-to-day expenses to retirement. Here's what they do to live comfortably in expensive cities, build a bright future when they're young and single, thrive on one paycheck and retire early but in style.

Making Ends Meet:
Stretch a Small Income
From cooking in rather than eating out to pairing a high-deductible medical policy with a health savings account, you can keep costs under control and have a little cash left over to save for the future.

Setting Goals:
Build a Bright Future
You can live the good life now while you're young and single but still get a jump-start on saving for a fmaily and retirement.

Juggling Bills:
Thrive on One Paycheck
Extensive planning and cost-cutting moves can allow one parent to quit and stay at home with the children.

Preserving Cash:
When It's Time to Retire
You can call it quits before you reach 65 by saving as much as you can now then cutting expenses and squeezing the most out of your investments in retirement.

Bargain Hunt:
How to Save on Almost Everything
Cut cable, Internet, phone and electric bills, find travel deals and save when you shop online or around town with these tips.

Bargain Funds:
Low Costs Mean Higher Returns
Every nickel you save on fees goes straight into your pocket, and index funds offer some of the best deals around.

Credit:
Best Ways to Manage Your Credit
We pick the top cash rewards credit cards and talk to an expert about how to eliminate your credit-card debt.

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