1. Credit Cards – high interest versus low. First, consider a debit card instead of a credit card. The thought of money instantly being withdrawn from your checking account increases your willpower when buying. An alternative is to switch your high interest credit card to one with a lower interest. You can save, for example, $500 per month!

2. Take more of an interest in your investments. Consider any special talent or knowledge you have to bring in some extra cash. Maybe you can turn a $5 investment in yarn into a $50 finished sweater. The key is to use your personal talents as well as your professional ones.

3. Get paid for what you do. Keep track of the time you spend on the phone with a client; note if a client expects a number of meetings. You can work out a simple timing system and keep impeccable records; you then can add a reasonable amount to the bill and back it up with your paperwork.

4. Start today to be free of all debt. Work on a system of paying down – and then off – all unnecessary debt. Add up all your debt and determine how much and how often you can pay towards it. Be reasonable, but consistent.

5. Keep two savings accounts. Open short-term and long-term savings accounts. Keep your short-term account for purchases such as a new roof or a vacation, and your long-term account for your investment and business needs.

6.Consider how many telecommunication features you really need. As a new woman entrepreneur, consider the fewest number of services you need to still remain professional and informed.

7. Even a small monthly income is important. A large income is desirable and often our goal. But don't forget about the small monthly residual checks that add up

8. Consider day-to-day activities. You may drive to work if you currently have a 9-to-5 job; consider an extra passenger or two who would help pay for gas. If you enjoy working out, could you become a paid personal trainer for an individual in their home or a group at the YWCA? Is there anything you are doing today without payment that could become a quick source of income?

9.USE COUPONS! And then keep track of how much you save so you can use the money for an unexpected fling – or for a real need that has been put off. This way, your fling or other purchase will not add to your debt.

10. Don't use debt to acquire consumer items that decrease in value. You do not build wealth with a negative return on investments. If the item depreciates faster than the time it will take you to pay it off, consider waiting until you can pay cash.

11. Continue your education. An investment in your ongoing education will pay off ten-fold. With some research you can often find an instructor who could use your assistance in return for your attendance without the course fee. Volunteering is an excellent way to learn when you are on a tight budget.

12. How large a home do you really need? When you are building a business, it is imperative to think in the long term. As you become more successful in your business you can upgrade easily.

13. Consider alternatives to outside activities. Instead of those expensive monthly "club" membership fees, get some weights to lift, walk daily, take time to meditate. A little personal discipline and you'll stay fit and healthy and save $$.

14. Enjoy life without going broke! Enjoy a meal out – look for two-for-one coupons and make sure to bring home a doggy bag from all those large portions served. Brown bag a lunch to work if you are currently a 9-to-5er. Learn to look for quality and value as well as style and fun.

15. Consider tax deductions. They won't bring you instant cash, but they will put a smile on your face at tax time. If you have items of reasonable value that you cannot sell at a garage sale, donate them to charity. You will feel good, and your tax deduction will lessen your tax bill. While you are cutting taxes, remember to check on your insurance coverage – are you getting the best rates?