If you're saving what you have left at the end of the month, you’re looking at your situation backwards. Instead, save money off the top and use the rest for spending. Yes, you’ve heard this before: pay yourself first. But are you doing it?
Starting automatic savings into a bank account to build a cash cushion, into a retirement account at work or into an investment account for your kids’ education will help you accumulate money much more quickly and painlessly. You can start as low as $25 per month. You won’t likely miss the money and will be thrilled when you see it increase over time.