SUFFOLK, Va. (WAVY) — Financial freedom is very important, and while that may feel so out of reach sometimes, a Suffolk family has some tips that can help you make that goal a reality in 2025. "Our kids are like, the more money we get the cheaper you guys get, and it's like, no we just want to be good stewards of our money," Crystal Madison-Worrell said. The Worrells know that every single penny counts in this economy. Madison-Worrell is a licensed financial professional herself, but she said you don't have to be a financial guru to stretch your money. Download the WAVY Financial Goal Tracker "Always live beneath your means," she said. Manage to save at least some portion of your income, she said, and use money-saving tactics. Her favorite is a budget book. "You would actually go to the envelope for the $100 and you would put it in there, and this is what we do every year, so I guess we just got started for 2025," Worrell said. These savings go to things like traveling. "It's not like, 'Oh, are the bills going to get paid?' We have a fund designated for travel and the kids know when it's gone, it's gone," she said. Plus to be frugal, you have to know what works for you. "If you like to eat out, budget money for that and say once it's gone, it's gone," she said. "You don't use money from another area." Another place you'll want to cut corners is at the grocery store. "The Worrell household eats a lot," she said, "We try to make it to where [we're] not doing those in between store runs, so even when we go to the store, we're like, 'what do you want to snack on,' because the less you visit the store, the less you'll spend." Planning your meals and comparing prices across stores will help. Also passive income is something to work towards, like investing in life insurance policies and retirement plans. These are tips you can teach your children early on, something Madison-Worrell's child, Iyonna Worrell, is aware of. "A lot of the time when I'm in school, I can't work, so it is a challenge," Iyonna Worrell said. Paying off your credit card balances in full each month can go a long way, even for a 21-year-old. "I do pay my car payment and I do have a credit card, so if I do save, I can help my parents out because they do pay for my school, so I can help them a little bit," Iyonna Worrell said. Another money saving tip: review your bank statements from 2024 and see exactly what's going out. "Be honest with yourselves, right, like everyone has a subscription or two that they forgot about," Crystal Madison-Worrell said. Don't use buy now pay later options and, most importantly, know your limits. "If it is not a financial wise thing for you to do at the time, it's OK to say no," she said. If you still have questions on becoming more financially fit, make some time to sit down with a financial professional. If you're interested in meeting with Crystal Madison-Worrell, that information can be found by clicking here.