The basics of personal finance are T shirt simple. Master them and your financial future is assured. Millions of people still don't grasp this simple principle, choosing instead to believe they can borrow their way to security and wealth. Make Your Saving Automatic. There is no such thing as left-over money.
Saving has to be as real and constant as buying food or paying the mortgage.
The best way to do it is to arrange your finances so that you never see the money. That means uses a 401k plan to the hilt, if you have one, or at least arrange for automatic withdrawals to an investment account. Take Free Money. The first benefit is tax savings, the second benefit is the dollars frequently contributed by employers. Keep The Return On Your Money.