One of the best ways to take charge of your finances in today's uncertain economy is to accumulate. Particularly for low-income individuals, those with a spending plan with goals were far more likely to have saved money for emergencies than were those without a plan. Such as Economists and psychologists attribute findings like these to the sense of control that people have when they plan ahead and know what they need to do to get from where they are now to where they want to be. Next, America Saves program. The motto of America Saves is "Build Wealth, Not Debt”, Social marketing campaign and Web site has a wealth of resources to help you get started on the path to financial security. Also, you for the goal it's a whole lot easier to save for something specific than to save for savings sake.