Are you one of them? If not, there are some things you can do right now.
First, make sure you have some kind of direct deposit of your paycheck into a savings account. Even if it’s only $20, it’s something, and better than nothing.
Also, if you get extra paychecks throughout the year, put those directly into savings
Finally, you should start tracking all of your little expensive reoccurring charges or subscriptions. If they go on your credit card you may not be paying attention.
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