These days, you can't get enough guidance on how to save money. The sites here help you stay creative and upbeat while hanging on to money, even if it means putting your credit card on ice.

America saves. This site raises saving money to a cause. It's got personal testimonials from reformed spendthrifts, a paean to the miracle of compound interest, and encouragements to save, even if that means socking away 50 cents a day in loose change. You can sign up for the free Wealth Coach newsletter series, too, for regular doses of cheerleading on building wealth instead of debt. Specific strategies help you start saving for a car, house, or emergency.

About money. YouCanDealWithIt.com is a site dedicated to helping people understand, cope with, and pay their student loans. It happens to include a bunch of widely useful information about handling and saving money. Included are some unconventional saving tricks - such as the advice to keep your credit card in the freezer - as well as more standard advice to buy savings bonds and certificates of deposit to keep your money out of reach for impulse spending.

Total candor. Here's the simple formula: Your income, minus spending, equals savings. So states the financial-education group Total Candor. The article here suggests that we all need to get emotionally connected to our money in order to hang on to it. That means using cash instead of credit cards, separating "needs" from "wants," and enjoying free stuff - like a walk in the woods - instead of assuming you cannot have fun without spending a bundle on the experience.

Life hacker. Among the tech shortcuts, deal guides, and do-it-yourself instructions on the Life Hacker site, there's a page of saving-money links. Learn how to set up a "sub-savings account" for emergencies, how to spot marketing tricks at the grocery store, and even how to plant a vegetable garden in a rain gutter. And, there's regular guidance on making and keeping to a budget.

Contact staff writer Reid Kanaley at 215-854-5114 or rkanaley@phillynews.com.