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Everybody wants to save money to buy a house, take a vacation or be able to retire comfortably. If you have limited income, those goals can seem out of reach. It can be hard to save money if you don't have much coming in, but there are ways that you can trim your spending and be able to set some money aside for the future.

Cut Expenses

For most families, housing is the biggest monthly expense. If you own a house, consider refinancing your mortgage to lower your monthly payments. That will extend the term of the loan, which means it'll take you longer to pay it off, but you could save hundreds of dollars a month that you could put toward saving for retirement or your children's college education. If your children have moved out, consider renting out a spare room or downsizing to a smaller house or apartment.

Entertainment can be expensive. Cable often starts out at a low introductory rate that increases after a period of time. Ask yourself i...

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Let's be honest: Spending money can sometimes be too easy for our own good. With a few purchases here, a few purchases there, bills and receipts add up quickly, and before we know it­–poof!–it seems like our money has disappeared.

Only it wasn't a magic trick; it was likely a lack of self-control, financial awareness, or both. If you find this disappearing act happening often or simply want to start saving more money, try these nine tips from American Consumer Credit Counseling to help you reign in your spending:

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5 Sounds Your HVAC System Should Never Make

You probably recognize the typical low, blowing sounds your HVAC system makes. However, sometimes, it can make irregular sounds. When it makes a sound you haven't heard before or that doesn't seem quite right, you may choose to ignore it, perhaps thinking it will eventually go away. But this could be a big mistake. There are at least five kinds of sounds your heating and air conditioning system could make that indicate serious problems that you must not ignore:

Rattling

The most common reason for rattling is a loose nut, bolt or piece of wiring. It could also mean a buildup of twigs, leaves, or other debris in the outside unit. However, it could be a more serious problem. For example, the motor bearings might be going out. If you can't find the problem yourself after a quick examination, it's time to call for professional diagnosis and service.

Banging

You should call an air conditioning mainte...

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