Scott Libbey

Create a direct deposit to your savings account so that the money is going straight to your emergency fund over time.

Look for opportunities to open a high-quality checking account that offers better benefits or rates. Most individuals use the same checking account they've had for lots of years, even if that bank is applying expensive fees.

This is a simpler way to stick to your budget.

Start today! You can turn your personal finances. Put part of your savings just as if you were paying a bill. You will soon start to see a priority.