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I don’t know about you, but the first time someone told me nonchalantly to save six months of my expenses, I was instantly intimidated! I remember thinking to myself, “If I can’t save $500 consistently, how in the world could I save several thousand?” And, if that was the key to this whole financial game, then quite frankly, I felt locked out for life! (Touch your neighbor and say, “Amen!” if you feel me!)

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Luckily, I learned early on that it just didn’t have to be that hard. Instead of looking at a lofty goal that seemed so far out of reach, I decided to break my goal down into micro steps. So, if you’ve been feeling hopeless with the big saving goals, here’s what I suggest:

Step 1: Determine what a great savings dollar amount to start at would be for YOU. (Remember, this is not about what everyone else says or thinks…including the “experts.”) I determined a goal that would seem like a big win for ME! At the time, if I could get $500 into a savings account and not have a need to touch it for 30 days or more, I was totally W.I.N.N.I.N.G!

Step 2: Set your next milestone for $1000.  Everyone, even college students, understand what personal obstacles could have been overcome had they only had $1000 in savings. As I often say, “Savings makes the difference between a crises and an inconvenience!” One thousand tucked away could make the difference between getting that flat tire fixed on the spot and having to “call-in” and tick your boss off AGAIN!

Step 3: Get one month of your net income stacked away. I’ve had people debate with me over whether this should be expenses or income.

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More Professional Advice Below:

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Listen To This Playlist While Counting All The Money You  Saved!

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