Get Into the Saving Habit

Even if you think you can’t invest, you can almost always afford to put something away. This might not be fun because it might mean making sacrifices right now, but it is possible. What's important isn't the AMOUNT, but the HABIT. If you aren’t already, start tracking all your spending, and when you find areas where you can cut back, try to redirect some money into savings.
While it is important to be careful with your funds, that does not mean you are unable to enjoy life in the meanwhile. It just means you need to get creative. Instead of taking a family vacation during the summer, you may plan a shorter getaway for a long weekend, or you may cook special meals at home instead of going out.

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