Sure, you know that you should not be using the credit card to buy the big stuff.  We all know that.  But do you know how to save money, really?

Not spending is part of the deal, clearly.  But can you break down the big picture dreams into daily actions and saving that will work for you and your lifestyle?

The truth is: most of us have never even thought about it.

Here are 4 steps to help you save money for what you really want.

1. Set the goal.

2.  Break it down to tiny steps.

3.  Set it up for auto transfers.

4.  Leave it alone.

And 5.  (the Bonus)

Enjoy every single minute of that big thing.  Because it's already paid for!