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3. Save Your Change

Set up an actual piggy bank — a box or zippered plastic bag will also work — and offload all the change you collect in your pockets or rattling around at the bottom of your bag on a regular basis. Don't dive into it for laundry or parking change. Instead, carry it to the bank every week or month and deposit it directly into your savings account. If you don't use cash anymore, there are still options. See if your bank has a  program that rounds your purchases up to the nearest dollar and puts that extra amount into a savings account. That way, you're saving money without even being aware of it (and it will be so much easier to balance your accounts).

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