What is the simplest change that can be made to the budget to produce more savings next month

We recommend you to make a spreadsheet with all the incomes, outcomes and insert every expense you have. Cut out the leisure item by 50%; find online discounts for your shopping list and purchase only what it's necessary. Reduce the social outings, use public transportation or carpool to the office and collect money for gas. Also, cut off credit card costs and leave it only for emergencies. Clothes and shoes purchases can be done during sale season, rather than at the beginning.

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the vast majority of ballots have been counted nearly two weeks after one of the biggest political upsets in modern u.s. history catapulted donald trump to the presidency.

estimates show more than 58 percent of eligible voters went to the polls during the 2016 election, nearly breaking even with the turnout rate set during the last presidential election in 2012, even as the final tallies in states like california continue to be calculated, according to statistics collected by the u.s. elections project.

but among those figures were stark contrasts in key states that swing the election to trump — in ohio, wisconsin, iowa, michigan and elsewhere — indicating the president-elect’s leap from long-shot candidate to the most powerful political position in the world may have happened in part because of apathy toward hillary clinton’s candidacy, especially among the democratic base, several political scientists and organizations monitoring voter turnout told the pbs newshour.

while clinton is leading the popular vote by more than 1.5 million over trump as of sunday, she trails president obama’s 2012 totals by more than 2 million ballots — a chasm that may have cost her the election, said david becker, co-founder of the center for election and innovation and research.

“several million voters didn’t come out to vote,” becker said. “which is telling me that this idea of the trump wave, a huge number of voters shifting over to trump, is certainly not the story.”