Pay Yourself First
Saving money is not easy, but it's essential to achieving financial well-being and securing your future. One of the best and easiest ways to save money and start a strong retirement income planning program is to pay yourself first. Every time you receive a paycheck, save a certain percentage of your income before spending money on anything else. You may choose to have your bank automatically deduct a certain amount of money from your account each month. This way, the money never hits your pocket, so you won't miss it.
Other ways to make saving money easier include putting away raises, bonuses, and refunds. You also may want to review Know Where You Money Goes and Shop Smarter for money-saving tips.