Use debit and credit cards prudently. To minimize interest charges, try to limit credit card purchases to those you can pay off in full at the end of the month.
If you use a debit card, don't rely on an overdraft feature to spend money you don't have.
With either approach, you'll have more money available for emergency savings.
- Source: Ohio Valley Saves, a nonprofit group encouraging residents to save money. To enter your child for a $500 scholarship, visit http://ovs.chipeducation.org.