1. Start Saving Money Today!
The basics of smart saving

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

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

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

5. 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

6. Begin Now!