1. Set a Goal
– Decide what you’re saving for (e.g., a vacation, a car, or an emergency fund).
2. Track Your Money
Write down how much you earn and spend each month.
3. Save First
Put aside some money every time you get paid—start with 10% if possible.
4. Make a Budget
Split your money into:
Needs: Essentials like food and rent.
Wants: Fun things like dining out or shopping.
Savings: For your goal or the future.