Everyone (alright, most people) knows that we’re supposed to start a savings account.  So how do we do that when we have more month left at the end of our money?  In a nutshell, do things like:

• Have a set amount automatically deposited into a Savings account every payday.  It could be a small amount or a larger amount, but start now and let it accumulate (plus receive interest).
• Pay yourself every time you do laundry – if you have your own washer/dryer, put a dollar or two into a jar (or whatever) for every load of wash – it’ll add up fast.  When you fill the container, bring it to your credit union and put it into a Savings account
• Empty your pockets or purse of the change you accumulate during the day and put it into a jar or piggy bank.  Deposit the coins into a Savings account every month.
• When grocery shopping, use a list to cut down on impulse buying.  Put the extra money you estimate you’ve saved into your saving jar.

The most important things to remember are discipline, discipline, and discipline.