If you start to automatically save a little bit at a time from each paycheck, you won’t even notice it’s gone. You really won’t. Then you can increase gradually and you will be shocked how much you can save before you start to notice it. Can you afford $5 transferred to a separate savings account every Tuesday and Thursday? I bet you can. That’s $480 a year. Every two weeks when you get paid could you afford $20 transferred immediately to savings? That’s another $480 a year. You will not notice that money missing but at the end of the year you’ll now have a separate savings account with $960 in it. And you will notice that!