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Saving money is easy for some, but for the rest of us saving money can be major struggle. There are many benefits to saving money: you can be ready to face retirement, take the cruise you’ve always wanted, or just have money in the bank for emergencies. Still, it isn’t easy to save money.

We’re here to offer you some tips on how you can put money away in savings. It just takes a little effort, a few tricks and you’ll be on your way!

1). Start small: starting out with big goals in mind is a sure way to end up with no money in savings. Think of this as a lesson in psychology. In order to save money, you first need to get in the habit of saving. This may be a completely new concept; if so, then starting out small is much easier for you.

Go over your budget and determine how much you can set aside from each paycheck. Be honest and don’t overburden yourself—make it easy. Can you set aside $100 per paycheck? If not, that’s OK. Then simply find an amount that works for you—maybe it will be $10 or $20—whatever works. Once you’ve determined the amount, then be sure to regularly set this amount aside each and every pay period. You’ll soon see results, no matter how much you’re able to set aside.

2). Start now: you don’t have to wait until your next pay increase—instead, start now. When that pay increase comes, consider setting that amount aside for savings, if possible. You won’t feel like you’re missing anything and saving will be less painful.

3). Simplify your budget: speaking of budgets, keeping your budget simple makes it easy to establish savings goals. You’re more likely to keep on track with your plan if you have a simple budget to follow.

4). Cut expenses: one sure way of simplifying your budget is to cut expenses wherever possible. Look for places you can cut. Start with things that are nonessentials such as eating out, going to the movies, etc. You can also look for ways to save on your current bills such as utility and cell phone bills.

Cancel subscriptions that you don’t need or use that often. Maybe consider eating out once a month and trying new, exciting recipes at home instead. And establish a “cooling off period,” for any expense that are nonessentials. During the wait, you may find that you really don’t need that item anyway. Instead, put the money in savings.

5). Establish saving goals: it helps to make a savings goal, especially for large ticket items such as a vacation or a new appliance. Consider what you’d like to save for, then examine your budget to see how much you can save and how long it will take to reach that goal.

It’s helpful to set short-term goals for items that aren’t as expensive, such as a new phone, gifts for Christmas, etc. Use the same method for these goals as you do for larger ticket items. You’ll feel good about what you can accomplish!

6). Create a separate account for each goal: if you have more than one savings goal, it’s helpful to set up a separate account for each one. That way, you know exactly how much you’ve saved toward each goal. If you lump all the savings into one account, it’s more challenging to see how much you have for specific savings goals such as a new car or that special vacation you’ve been wanting to take.

7). Take money off the top: check to see if your employer offers a service that helps you save. It may be that your company can take money directly from your salary (in the amount you specify) and deposit it directly into your savings account. Or your bank may offer this type of service. Either way, you never see the funds and don’t know what you’re missing. You’re also not tempted to overspend and you’ll stay on track with your savings plan.

8). Save spare change: maybe you regularly have extra change in your wallet, or it turns up in the laundry. Start saving that spare change and it will quickly add up!

9). Keep making that car or home payment: if you’re making car payments, but you’re about to finish paying the car off, then consider saving that same car payment each month. You can do the same with home payments, once your home is paid off. Add this same amount to your savings account, and it will quickly add up to a substantial amount.

10). Create an emergency fund: if you’re not ready to start saving toward a dream trip or other large expense, then consider starting an emergency fund. Emergencies come in all shapes and sizes. They could be anything from medical expenses to car and home repairs. Put money into savings each month and you’ll be ready for the next emergency and may be able to avoid going into debt by using a credit card to meet the emergency expense.

11). Start saving for retirement: starting early gives you the advantage of more time to amass the savings you’ll need for your golden years. However, you can start saving for your retirement at any time. Be sure to take advantage of any retirement savings offered by your company. Some will match worker contributions (maybe $0.50/dollar—the amount varies), which means for every $100 you put into savings, your company will add another $50, making your total savings $150. It pays to take advantage of these opportunities.

12). Pay off credit card debt: be sure to pay off all credit card debt; this way, you’ll pay off your debt sooner, and save money by avoiding expensive interest rates. Once you have the debt paid off, put the amount you paid toward your credit card each month into your savings account.

Starting a savings account can seem like a daunting task, especially if you’re on a fixed budget. However, with a little work, you’ll soon be able to set aside some savings. You’ll have money for a rainy day emergency, funds for that dream trip and much more. Just make it a habit and you’ll achieve your saving goals.