Have you been struggling with saving money? Personal finance tips such as reducing credit card debt, opening in a separate savings account, and reviewing your insurance coverage, will help you to increase your bank account balances. First, understand that credit card debt is expensive. You pay more interest to credit card companies than the interest you earn on your savings accounts. So, reduce your credit card debt as much as possible. Second, deposit the funds that you want to save in a separate account from your account that you use for everyday transactions. It will be easier to monitor your savings. Third, review your insurance policies for car, health, home, and life to determine if you have adequate coverage and if you can save on any costs. Therefore, you will see an improvement in your finances when you look more closely at your credit cards, insurance policies, and savings accounts.