Start Saving Money Today! The basics of smart saving

Set a Goal Amount to Save Set a Timeline Make a Plan

Create a Budget Set up a monthly budget Create categories that work What’s my income? What are my expenses? Include savings and charities

Where Can You Decrease Spending? Cook at home (healthier too!) Pack a lunch (or split a meal with a coworker) Use a grocery list (and stick to it) Clip coupons (2 for 1 meals) Walk or ride a bike instead of drive Buy used and shop for sales Cut up your credit cards Read library books instead of buying them

Where Can You Increase Income? Have a garage sale Use Craig’s List or E-Bay Rent out a room Barter your skills Turn a hobby into a business