Some people will tell you that saving money is just a waste of time, and that you'd be better off just earning more cash. But the truth for many is that pennies saved are worth far more than pennies earned.
For instance, in New York City, figure on your earned dollar being worth as little as 60 cents once you've paid city, state and federal taxes.
With that in mind here are some ways to put money back in your pocket, gathered from some of the world's top financial markets experts. Read more here.