Saving money isn't fun, but it doesn't have to be painful. It's not easy to increase your income significantly, but you can realize a significant savings in many areas of your finances with a little work. Just a little sacrifice in several areas will lead to more money in your bank account.

A few options might actually be more enjoyable than your current situation. Save money each month by cutting your expenses in several areas:

1. Health Club membership. How often do you really use your gym or health club? How much does each trip cost you? If you're paying $75/month and only use it three times a month, you're paying $25/visit. Could you stay at home, use your running shoes, a jump rope, and some second-hand dumbbells, and get the same results?

2. Entertainment. Taking a family of four to a movie can cost $40 or more, and that doesn't include the incredibly over-priced snacks. A streaming service will only set you back $10/month, and you can watch all the movies you can fit into...