1. S TART S AVING M ONEY T ODAY ! The basics of smart saving

2. S ET A G OAL Amount to Save Set a Timeline Make a Plan

3. C REATE A B UDGET Set up a monthly budget Create categories that work What’s my income? What are my expenses? Include savings and charities

4. W HERE C AN Y OU D ECREASE S PENDING ? 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

5. W HERE C AN Y OU I NCREASE I NCOME ? Have a garage sale Use Craig’s List or E-Bay Rent out a room Barter your skills Turn a hobby into a business