The best way to start putting money back for the future is too set a goal and stick to it. But, don’t make the mistake of setting a goal that is too high and unattainable. Examine your income and your fixed debts and decide upon a reasonable amount that you can live without each paycheck.

While it might not add up to enough to buy a new car or retire from your job, anyone can have some savings. Set a weekly or monthly goal and stick to it even if you have to make a small sacrifice such as not dining out as often. And, don’t dip into your savings unless you have no other choice.

Even if you can just manage to save $10 or $20 a month, it’s a start and will eventually grow into much more. You can even start out by just saving all the coins you get back from purchases. You might be quite surprised how much coins can add up to over a months time.