A lot of people probably made “save more money” one of their New Year’s Resolutions. It’s true, the best day to start saving is right now. Based off of what the average American spends annually, if you set a goal for next January and save $157 a month, you can have all your clothes paid for for the year.

Or set a goal of December. For $50 a month you can have all your holiday gifts paid for. Or for just $20 a month you can save up everything you need for back-to-school supplies.

Use that little 2% payroll tax freebie you just got and start putting money down in the bank.

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