Try to save at least 10% of your income. Regardless of what you’re saving for having money set aside can ease a heavy heart. It’ll be there when you need it even if that Hawaii vacation has to wait a while.

While credit card companies are nice enough to help you remember everything you spend money on in the form of a long demanding bill, cash is not. Try to keep track of where your ATM withdrawals and cash go, with no record left behind it’s easy for it all to just go “poof”

As we make more we like to spend more. It’s a simple fact of life but make sure it doesn’t get too out of hand or you’ll be stuck with a “Two-thousand-dollar bag with no cash in your purse” to quote Kanye West. Try to save at least ___% of your raise, bonus or refund check.

As we make more we like to spend more. It’s a simple fact of life but make sure it doesn’t get too out of hand or you’ll be stuck with a “Two-thousand-dollar bag with no cash in your purse” to quote Kanye West. Try to save at least ___% of your raise, bonus or refund check.

While credit card companies are nice enough to help you remember everything you spend money on in the form of a long demanding bill, cash is not. Try to keep track of where your ATM withdrawals and cash go, with no record left behind it’s easy for it all to just go “poof”

Challenge yourself to forgo some of your more expensive habits and purchases. If you smoke take steps to quit, hold off on buying new skis for the next season, maybe the yearly trip to Florida could be cut down a couple days or you could opt to go camping instead. Keep your mind open to the possibilities and remember no pain no gain.