10 sure ways to trim your budget.

Publication: Daily News (New York, New York) (via Knight-Ridder/Tribune Business News)

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COPYRIGHT 2005 Daily News

Byline: Lore Croghan

Oct. 5--You know it would be a good thing to pay down your credit cards instead of maxing them out, and sock away savings in safe mutual funds or CDs.

But if you live from paycheck to paycheck like so many New Yorkers, this will never happen -- unless you cut back your personal spending.

There are drastic ways to tighten your budget. But it's best to make changes you can stick with, month after month, to get the numbers to add up in your favor, experts told Your Money.

"Easy is good," said Valerie Adelman, a certified financial planner at Chestnut Financial, with offices in Riverdale, the Bronx and Manhattan. "Smaller steps will keep it from being overwhelming."

Those small steps can add up to thousands of dollars in savings a year, she said.

-- Spend more wisely on food. This could be your biggest avenue to savings, Adelman said. You can take your...

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