So often the question is asked, ‘How are you going to spend it?’, when the question we should be asking is, ‘How are you going to save it?’ People who have a plan for saving will save and those that don’t, typically don’t. So, before you even get that paycheck, while you are dedicating your precious time and energy to earn that money, you should already have a plan for saving. Whether it’s a predesignated percentage or amount from each check, be sure to set it aside. The easiest way is to have your employer split your direct deposit into two accounts. If you get tips, you could decide to save those and try to live on your paycheck alone or visa versa.

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