More than 70% of America's workers are still living paycheck to paycheck according to a recent American Payroll Association poll. And current tough economic times have everyone wondering what they can do to stretch their paycheck a bit further. We've compiled a list of what we feel are ten of the best ideas to help stretch your paycheck. With a little extra effort, you can yield some big savings.

 

1. Stop buying bottled water - $15 billion was spent last year in America.

2. Skip the gourmet coffee - at an average price of $3.00 per cup, it's a savings that you owe yourself.

4. Buy staple items in bulk - buying in bulk can provide consumers with substantial savings not to mention fewer trips to the store.

5. Clip those coupons - clipping coupons and reviewing the local supermarket circular can actually yield substantial savings. Coupons are also available online.

6. Buy generic - many store brands are just as good as or identical to brand names and much less expensive.

7. Dine out and Take out less - you don't have to do the math to know that it is less expensive to eat at home.

8. Go to the library - many local libraries offer not only the latest book releases, but a wide variety of DVDs as well.

9. Pay bills on-line - avoid paying postage and late fees by paying your billes on-line and on-time.

10. Lower monthly bills - if you are spending money on cable, home phone and internet service, research available options to see if you can find a more affordable plan.