Sock it away

If you aren't already automatically transferring $25 or more out of every paycheck into some kind of savings account, start now!

If you are already, and you aren't living hand-to-mouth, increase the amount set aside by 10%.

This is especially good if your employer has some option that allows you to have the money come out before taxes (e.g. into a retirement account). Some employers will even match these funds. Mmm, free money.

I also set up a separate automatic transfer to a retirement account with another funds management provider, Pax World, because a) I like they way they invest better than the matched fund choices at work and b) diversifying your savings is a good thing.

Bottom line: it's easier to save if you don't have to think about it and it just happens automatically.