They're the only practical way to get a grip on your spending so that you can make sure your money is used the way you want it. B. Evaluate that spending and set goals that take account of your financial objectives. C. Track your ongoing spending to make sure it stays within those guidelines.
Convert savings accounts into higher-paying money market accounts.
Sell unneeded items and invest the proceeds. Invest in stocks rather than bonds and guaranteed income funds. The only two things certain in this life are death and taxes. Though we all must pay taxes, there is no patriotic reason to pay any more than our fair share. Like most people, you know that you have to save and invest your money, but, without clearly defined goals and objectives, it's hard to know how fast to save, whether the return on your investment is high enough, and if the investment is safe enough to rely on to be there when you need it.