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How’s your bank balance? It should be healthier than this time last year.

And if it isn’t? Only a few explanations exist for this lack of progress:

  • The past 12 months were filled with budget busters such as car trouble, medical co-pays and the need to replace major appliances.
  • You were already living paycheck to paycheck, and the increased costs of food and other essentials sent you into the red.
  • You simply didn’t make it your business to save.

It’s vital to have an emergency fund and, ideally, additional savings for future goals (replacement vehicle, home of your own, college fund). But these accounts don’t build themselves. You have to take responsibility for making them happen.

Maybe you’ve had bad luck, as noted above. Or maybe you just haven’t figured out how to save. Simply saying “I want to save money” is a dream, not a plan. Without a specific destination in mind, you’ll probably never get started.

Break It Down

So pick a path! A specific need/want is a good start. Suppose $3,000 would put your kid through an advanced music camp this summer. Maybe you’d like to save enough for a reliable used car. Perhaps you and your spouse want to have at least three months’ worth of living expenses in the bank.

Do those kinds of numbers make you feel faint? Start smaller: In the next year I will save $1,000.

Now subdivide that goal: $1,000 divided by 52 is about $19.23 per week, or about $2.74 per day. Thinking in terms of a daily three bucks is a lot more manageable than wondering how you’ll come up with a grand.

The easiest way to start is to figure out ways you might be wasting money. Let a budgeting app do the work for you. Money Talks News founder Johnson Stacy likes a free service called PowerWallet. For example, it might reveal that 40% of your total food budget is spent on meals away from home.

This kind of wake-up call will help you trim the fat, so to speak.

Divert Some Funds

If you’ve been paying extra on certain items (mortgage, student loans), stop doing that for a while. Yes, getting ahead is great, but not at the expense of having no savings to cover that car repair or balky fridge.

Suppose you’ve been putting an extra $100 on your house payment each month. Instead, throw that hundred toward your savings goal. It won’t take as long as you think to hit that sweet spot because this won’t be the only way you save.

Or it shouldn’t be. All sorts of ways exist to carve a few dollars here and a few dollars there from your current budget; remember, we’re talking fewer than three bucks per day.

Or jump-start your savings with hacks like these:

  • The night before payday, take a peek at your checking account. If there’s $82 in there, move $10 (or more) into savings.
  • If you’re lucky enough to get a raise, pretend you didn’t. Even a 2% salary increase will add up, but only if you save it.
  • Re-imagine entertainment. Go to matinees instead of nighttime movies and save three or four bucks per ticket. Instead of meeting friends at a pub, take turns hosting beer or wine and snacks at home. Cut the cable in favor of alternatives like Hulu and Netflix.
  • Put all your change (or dollar bills) in a jar when you get home from work on Monday, Wednesday and Friday. Do this daily if you can swing it.
  • Bank your coupon savings. Suppose you find a trio of dollar-off coupons for the only cereal your family will eat, or a Q good for 20 percent off your next oil change. Put the money you would have spent into the jar.
  • Spend one hour a week shopping for better deals on cellphone service or auto insurance. If an appliance or (heaven forbid) a vehicle is slowly dying, research the best prices for those items, too.

Taken together, these and other small economies ultimately strengthen your savings.

Make It Automatic

Think of savings as a bill, not a frill. You wouldn’t skip your utility payment, would you?

Ditto savings: It’s a bill, so pay it. Specifically, automate that $19.23 from checking into savings every week. (Or go crazy, and round it up to $20.) You’ll learn to live without it.

Don’t pretend that you can’t. Although for some folks it really does take every dime just to cover the basics, there’s almost always some wiggle room in your expenses. Here’s the question: How badly do you want to save that money?

Start 2015 with a plan in place and watch your bank balance change for the better. Even slow growth is better than no growth, and once you’re motivated, who knows how many other ways you’ll find to save?

Yes, it can be tough. But it doesn’t have to mean utter deprivation. A little creativity and, yes, a bit of willingness to cut back temporarily can mean a brighter financial future.

This post originally appeared on Money Talks News.

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