“One strategy I have clients use is to have a savings account and put in a little money when they are paid,” said Jerry Zeigler, personal financial coach and owner of JZ Financial Management.

“If you have to start really low, even as low as $5, then do it. The point is to get started. If it stays in there, then with the next paycheck put in a little more. If it doesn’t stay in there, consider why it didn’t and if there are some changes in your budget that can be made to make sure some savings are built up.”

Zeigler continued, “If going to the movies once a week is what keeps you sane, I don’t want you to try to stop that. Small changes are typically easier. Maybe you could switch to a lower-priced matinee or a lower-priced day. Maybe you could cut out the snacks.”