Consider savings as an expense, not an option. Start where you can and increase the amount with every raise.
Save until it hurts.
Contribute to a retirement fund 401K/ 403b. and Flexible Spending Account. You save on taxes and build your investments for retirement.
Pay with cash or a debit card to avoid overspending. If using a credit card, pay off the balance in full every month. If you can’t do that, stop using the card until it’s paid off
Know where you are spending your money. Check bank account balances regularly. Set financial goals and budgets and stick to them.
Negotiate with yourself: where can you cut back? Packing your lunch is a great way to save money and eat healthier.
