You want the truth? Creating and sticking to a budget is a pain. It takes dedication, daily effort, and compromise. We each develop our own smart saving style and tricks over the years, which is why we started the How Do You Save? group for you to divulge your winning tactics. We want you to dole out your advice to other SavvySugar readers trying to save a little moola and learn from their experiences — particularly as we all buckle down and try to set a smooth savings course for 2010.