Saving: Just Do It!

They say the road to hell is paved with good intentions.  Some folks say we'll start saving when we have something left over.  Others say they'll start next month.  Next month never comes.  Here's the secret to saving: Just do it!  Below are some tips on how to 'just do it.,' 

1) Treat savings like a bill.  You pay yourself first.  You create a category called "Savings" in your budget.

2) Make it automatic.  Set up a separate account for your savings.  It's practical to link it to your checking account.  You can designate what day of the month to have it direct deposited to the account.  I suggest www.ingdirect.com.

3) Start small.  Setting aside $25 a pay period is all it takes to start.

Additional Suggestions:

• Save your raise.
• Save money from a second job
• Start couponing (save your savings).