Savings Strategies

• Set financial goals - both short-term and long-term.  They really help you stick to your budget and will motivate you to save.
• Use payroll withholding or direct deposit, if your employer offers it.  Determine a set amount of money you will have deducted from your paycheck.  This way, you don't even 'see' the money; it automatically goes into your savings account.
• Save any additional income, such as raises, overtime, bonuses, or extra paychecks (due to the calendar).
• Save your tax refund.
• After you pay off an installment loan, continue to pay the monthly amount to your own savings account.
• Save your loose change!  It's a surprisingly easy way to save.