Strapped for cash? With the economy scaling back, we predict that you will too. I’m Kristin Arnold with your Bankrate.com Personal Finance Minute.

Bankrate.com has come up with 100 tips to help you save in 2009. Let’s start with your home. A simple and relatively cheap way to save on electricity is to install compact fluorescent bulbs. These bulbs last for years instead of months and consume little power, which will help decrease your electric bill. Also, getting a home energy audit with your power company every couple of years will cut costs.

Food costs have gone up 8 percent in the last year, so instead of eating out more, cook more at home. But don’t crisis-cook! Shopping after work for the day’s dinner gets expensive. Plan a weekly menu before shopping and watch your grocery bill and waistline shrink.

This next tip is very important no matter what state the economy is in. Start saving! If you’re on a tight budget, it doesn’t have to be a large sum; a small amount adds up over time. Get an envelope, cookie jar, coffee can or whatever you like and set aside the same amount every week. The trick: Don’t count it, don’t spend it!

For the complete list of “100 ways to save in 2009,” log onto Bankrate.com. I’m Kristin Arnold.