8) Keep your goal with reach: One thing too many people do is set their goals to high at the on start.  Aim for short-term savings goals, such as setting aside $20 a week or month or 2 – 3 percent of your monthly income. You want to save money without feeling like it is a hardship for you to achieve. Then when you feel like you can start saving more a month do so.  People save more successfully when they keep the short-term goal in sight.

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