With so many questions surrounding what the year ahead will bring, taking a conservative approach to saving can help you be prepared for potential changes and unforeseen events without negative impact.

Here are five simple saving tips that will get you started:

1. Before making a purchase, ask yourself Do I really need that?.

2. Save energy. Organize a campaign in your home to save energy by ensuring electronics are unplugged when not in use and lights are turned off whenever possible. Share the results with your family and friends, theyll all be surprised at the results!

3. We often take the convenient approach of using and throwing away. Before you purchase, ask yourself if there is a reusable alternative and ensure that you recycle whenever possible.

4. Invite your friends to join you at home for dinner instead of visiting a restaurant; it is much more economical and often healthier.

5. Save a little bit every month. Saving regularly, whether monthly or bi-weekly, regardless of the amount, will add up over time and will help you appreciate the value of your future purchase.

By practicing these saving habits, your 2009 financial plans can become a reality!