It happens to all of us. There are still a few days left till payday and somehow that last paycheck just didn't last long enough! Or maybe there were some expenses this week that really were not expected--new tires, school expenses, medical emergencies.

These are the times to fall back on some really tightwad strategies.

1. No money to put gas in the car? Walk to work--it's good exercise. If walking is not an option, try to carpool with a co-worker who lives near. Or share a ride with your spouse. It may mean getting to work earlier, so be prepared to use extra time constructively. Start that book you've been wanting to read; take your needlework and finish a project you've not found time for, etc.