Living paycheck to paycheck isn’t just stressful, it also means your money goals remain out of reach. The solution, of course, is to start saving.

 

No matter how much we make, it can feel like there’s never enough left over each month.

If a $400 bill showed up in your mailbox tomorrow, could you cover it with your savings?  If you are like most, your answer is no.

 

Everyone has the ability to achieve their financial goals and save money with the right tools and support.

Building a healthy emergency fund isn’t as hard as it sounds, even if you’re living paycheck to paycheck.

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How do I start saving money?  3 Simple Steps ... 

1. Figure out how much to save.

 

The standard advice is to have at least three months’ worth of basic expenses, but you can aim for a smaller goal of $1,000 initially.

The first priority is to save for unexpected expenses—those you can’t avoid paying but are hard to predict.

To start, aim for $1,000. That’s enough to cover a basic car or home repair without racking up credit card debt. Then work your way up to about three to six months’ worth of basic living expenses.

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2- Start Small

Make your initial target a low, achievable number—like $1,000 (or even $400). Breaking down the savings journey into manageable chunks makes it easier to stay motivated and keep going.

Try putting away even $50 per month at first to get into the habit of saving. The most important thing is to get started.

THE KEY

Always live below your means... The key is to spend less than you earn.

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3- Adjust your target every time you reach it.

Once you hit your first target, stop and savor that moment. Then set your sights on the next goal. After your first $1,000, for example, aim to save one month’s worth of expenses, then go for two.

Also, remember that you should adjust your fund as your expenses change and your income (hopefully) grows.

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Please share this info with everyone you know!!!  Thanks for reading.