If you are in a financial crunch because of your diagnosis, or just want to save more money than you are, you'll need to either increase your income or spend less. This article discusses ways to decrease your spending. If you want more money coming in, read Increase Your Income.

As a general matter, there are several guidelines that can help you spend less no matter what the reason for the expenditure:

• Know the real cost.
• Consider the amount of time you have to expend to earn the amount of money you are considering spending.
• Don't use credit unless absolutely necessary -- or you have a life expectancy of two years or less.
• Negotiate.
• Keep your financial goals in mind.

Look for discounts because of your health history or physical condition.

To save money on medical expenses, see How To Minimize Costs For Medical Care. To save money on your credit card debt, see How To Manage Credit Card Costs.

Each of these subjects, as well as specific purchases, are discussed in other sections of this document.

NOTE: You can get a handle on where your money goes by preparing a Cash Flow Statement for last year. This will help you identify areas where you might be able to save money. Use the ideas in this article to then help prepare (and hopefully stick to) a budget. To learn more, see Budgeting.

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