Whether you get a regular paycheck, or not, we can get all into the habit of saving. We save because we can't predict the future.

Here are a few reasons why we save:

• Education. Getting a higher education can be really expensive.

• Emergencies. A new roof, medical expenses, or daily needs if you lose your job.

• Future Plans. If you plan to retire someday, you may need savings to replace your income.

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Paying yourself first means that when you get a paycheck, you first put away the money you want to save for your goals - before you spend on anything else.

Move 5 or 10 percent of your pay to your savings. This habit ensures that you save every month, not just when it's convenient or easy to.

Keep savings separate from the rest of your money.

Open a separate high yield savings account and create a direct deposit. If you don't use a bank,put your money aside in an envelope or piggy bank. Only put money into this account. Wait to take the money out until you are ready to put the funds toward your savings goal.

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The best way to start saving is to make it a habit - but you have to stick to the plan. Make a promise to yourself today that you will stick to your goals. Consider telling a friend your goal - you'll be more likely to stick to it!

Even very small amounts grow with time. Start a savings envelope, a piggy bank, or a new account today, and see how easy it can be to save!