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Article snippet: Welcome to the Smarter Living newsletter. Editor Tim Herrera emails readers once a week with tips and advice for living a better, more fulfilling life. Sign up here to get it in your inbox every Monday morning. Money is hard, and it never really gets any easier. (O.K. fine, maybe it does if you win the Powerball jackpot.) Learning to manage money is a lifelong journey, with the goal of retiring debt free and hopefully with some spending money. There are a lot of ways to get there, but there’s universal agreement that one path is to start saving right now, regardless of how much you’re able to put away. (I’d also highly recommend reading The New York Times’s personal finance column, Your Money, written by Smarter Living pal Ron Lieber.) We talked budgeting in a newsletter last month, and I asked you to send me your best tips to save a few extra bucks here and there. Hundreds of you emailed or tweeted your solutions, and many of them were fantastic. So this week, I’m highlighting some of my favorites. Martha Waters My #1 budget trimming rule is simple: No non-social eating out, meaning no takeout, no ordering pizza, no Starbucks on the way to work. If a friend wants to go to dinner? Sure! If a friend wants to get drinks or coffee? Sure! If a friend wants to come over and have a movie night and get takeout or delivery pizza? Sure! But it can’t be something I do alone. Honestly, I don’t think I’ll ever go back now that I’ve figured this out. Summer vacation in Scotla... Link to the full article to read more