Surely we all agree that having a savings account is important? The challenge, however, is implementing the concept. It is difficult to add to a savings account when you're living paycheck to paycheck, as many people are doing nowadays.

The good news is that even the smallest of contributions can have a major impact on the future of their own. After all, most importantly, your utility company or what? Well, come on, get paid first? So, you tend to pay our bills, however, find it difficult to save for us.

There are certain things you can do to add to your investment account, without being a burden.

These tips will increase your savings effort:

1. Small automatic deposits.

Chances are you need all or most of your paycheck each period, is it? You can save a small portion of each paycheck for the amount is automatically deducted either directly from your paycheck, or directly from the bank account is automatically deposited. Most mutual fund companies and banks will let you set up automatic transfers, often in as little as $ 25 per month. That "lost" the amount automatically saves the first month affected. After that, I never miss it, trust me. However, when you receive your quarterly statement you will be amazed at the amount that has been able to save/2C nd all because I did not see, so it is not spent.

Even if this amount is $ 5 per pay period, adding over time.

2. I'll pay cash.

When you pay for your essentials with cash, you're actually seeing the exact amount of money you are spending the money changes hands. Then place the change of these operations in a clear glass bottle when you get home. Before you know it, he puts a lot of changes in your savings account with as little effort! In addition to filling the glass jar unconsciously become a competitive game that really pay dividends.

3. Credit Card Round Up

Some credit cards as a Bank of America, in fact, collect each of their purchases to the nearest dollar amount. The rounded amount will be deposited automatically into your savings account. Get one of these card accounts can dd to your savings account easier for you. Again, nonsense and automatic.

4. Add up your charges.

A month, add up everything you spend. No matter how you've done the shopping ¬ - cash, credit, debit, etc. In the analysis of these expenses, you will likely find some of the recurrent costs, they can go. Maybe there is something you could live without it. Spending little money will be refunded in the future many times, if instead of adding to your savings instead.

Example: Increase the price of gas - when gas prices soaring, so stop driving and stay home? No? Where does the money from then to pay the high prices at the pump? Well, if you can always "find" money to certain expenses, so why not "find" money to invest systematically and automatically? We save and we have to save .... early and often.

5. Avoid impulse purchases.

Everyone is a victim of an impulse buy at some point. Make a pact with himself never to drink again. However, when you feel the need to get something, take a 48-hour cooling off period.

If you still feel you should have after that time, go ahead and spend the money. If you've thought about it and not need it, perhaps better spent that money goes directly into your savings account or mutual fund. Later, a nod to himself in the mirror and say "atta girl! I did it!"

6. Avoid using credit cards. If you have trouble paying your credit cards in full each month, stop using their cards, period. Yes, I said STOP! Jump to cash and debit card usage and gradually pay off the balance of your credit card. Be expected around the fire in which the emotional cost of digging itself deeper into a hole of debt paralyzes you take proactive steps to cut this balance increased in the yolk.

As your balance is paid, the money used to pay interest on the credit card companies may be better spent in your savings account or mutual fund.

7. Reduce expenses. Make an assessment of necessary expenses such as internet, phone and grocery bills. See if there is any way to reduce these bills.

For example, perhaps you can easily switch to a lower cost plan phone or start clipping coupons at the supermarket. If we make our savings with coupons in a game, let's do this with a smile on your face and be "laughing all the way to the bank," so to speak. Hey, how many of us will fall to pick up a dime on the sidewalk? I will. Pick cents! So, why not using A.50 coupon? Better yet, why not use it in a store that doubles coupons?

If I could find an extra $ 50 in your budget each month so you can improve the appearance of your savings and investment accounts!

While it is not necessary to implement these changes at once, now has a menu of options for the many ways you can add to savings. Just remember that even a few cents can go a long way! A journey of a thousand miles begins with one step to start today, right?