| A | B |
|---|
| Keep the change | Designate a jar or box. Put all your change into this jar or box at the end of each day. Count it after one month. You may be surprised to see how quickly your change can add up. |
| Commit to saving in advance | Decide that you will save 25 percent of all money you get in advance. If you get $10 from a family member or friend as a gift, you put $2.50 into your savings jar or account. |
| Use direct deposit. | If you have a job, have your paycheck deposited into a checking account and have a portion of that transferred to a savings account. |
| Cut back your spending on one thing | coffee, meals out or music purchases — and redirect those funds to savings. |
| Shop smart. | Look for generic instead of brand name items. Use a shopping list — if it’s not on the list, don’t get it. Wait 24 hours before making any big purchases. Think about the following: Do you need the item? Will it help you reach your goals or your vision? |
| Pay your bills on time | This will keep you from paying fees. Set up automatic bill payment for bills you pay regularly using online banking services. This will keep you from being late. But make sure you have enough money in your account when the bills are due and the money is automatically deducted from your checking account or prepaid card. |
| Save unexpected income | If you get a gift, overtime pay or a tax refund you have not already budgeted, save that money. |
| Make a commitment to yourself. | Commit yourself to saving for your goals. This will help you lead the life you envision for yourself |
