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Many of us feel overwhelmed by debt and don’t know how to start climbing out of it. For others it's a misconception that the more money you earn the easier it is to save. My husband and I paid off $20,000 of credit card debt and medical bills in 5 years on an average income of $22,000 a year.

Here is how you can save over $7,000 in just one year cutting a few things from your grocery bill. They are painless, simple and add up over time. If you don't think that cutting out one bag of potato chips or one soda will make a difference, look at the numbers at the end of a year. If you’re trying to save so you can stay home with your kids, put a down payment on a house, pay off some credit card debt or just have some emergency money, here are 10 ways to do it without depriving yourself . The total annual savings (in parentheses) will amaze you! You can start with these tips from www.livingonadime.com.

By eliminating: 

~One $2.00 bag of potato chips (You don’t have to cut out all chips, just 1 bag) from your grocery bill each week you can save $104.00 per year.

~Cut a weekly box of $4.00 cereal and it puts $208 in your pocket each year.

~If you eat out one less time each week at $30 a meal, you can save $1,560 annually 

~Ordering one less delivered pizza at $20, can save you $1040 per year. 

~Daily gourmet coffee at $2.50 per cup ($910) 

~A daily liter of soda ($365) 

~Snack cakes ($455) 

~One less bottled water per day ($455) 

~One cup less juice per person in a family of four ($546) 

~3 lbs. less red meat a week ($390) 

~Bringing your lunch instead of buying save $4.00 a day or $1040 a year.

By themselves, these efforts may seem small--but they add up to over $7,000 in savings in just one year.

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