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!)
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. 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