Save automatically. Many people make the common mistake of telling themselves they’ll save whatever money is left over at the end of the month. Of course, there never seems to be anything left to save. Make a habit of doing the opposite. Save first and then spend.   

Take money out of your paycheck and save it before you can possibly spend it. You can’t spend what you don’t have.   

There are a variety of ways to do this. You can manually take money out of your checking account and put it into a separate account. You could also have your employer split your paycheck and send part of it to a separate account. Either way can work.

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