Many of us have problems with our money because we think all things financial are complicated and difficult to understand. A lot of the time, it's the little things that matter.

I'm fond of saying, "You can tell a millionaire because she is the one who turns out the lights when she leaves a room." It is these little things; it is the attitude you have towards money.

When I talk to high school students, I encourage them to "pick up that penny." Everyone must learn to respect money, no matter how small the amount.

I save the shower water while it is warming up. What do you do?

You can take 20 pounds out the trunk to save gas. It's also a good idea, despite the political rhetoric, to check your tire pressure.

Send ecards, they are free and the kids love them.

I knew someone whose mother had a box labeled "pieces of string too short to keep." Older generations are more frugal. We all could use a dose of this frugalness.

Get movies and books at the library. Go one week longer before your next haircut.

Want to be a millionaire? Save and invest $3.53 a day for 40 years. This is coffee or ice cream. If you work minimum wage, work an extra half hour.

Don't pay for four garbage cans when you put out only one. Buy generic; eat out less.

And don't go grocery shopping when you are hungry. Maybe, you won't buy that 8 oz snack. Think about it - after two weeks, it's a pound, then in a month, two pounds. In a lifetime, the stuff would fill a house. Without that snack, you will be healthier and wealthier. You will be thinner and look better and attract a better mate and have more kids to take care of you when you are old. You will have a better life, just because of one little thing.

Bill Stanley is the Money Coach and can be reached at MoneyCoachBill@aol.com