Are you waiting until you get a raise, a new job, or some other event to start saving? You shouldn’t. Start saving now so you can start investing in your future. Many of us aren’t aware of how much money we waste on a regular basis. Those pennies, nickels, and dimes can add up quickly.

Set a savings goal Even if it’s just a $100 a month set a monthly savings goal. Open a savings account at your credit union or bank. Find one that has no fees, no minimum balance, and no charges for making deposits.

Start right now The first step in a savings program is to start immediately. Look at what you’re spending on a daily basis in cash, your debit card,