Are you automatically transferring money to savings or retirement funds every paycheck?
If so, good. It's time to take a look and see how you can do more. Those tips I mentioned about cancelling a service you don't really use (hello gym membership or cable tv you never enjoy or magazine you don't read!) can free up a little cash here. Apply it first to high interest debt or, if you've conquered that – go you!, then increase the amount heading into retirement savings. Don't count on social security; might be there, but, I'm just sayin', governments change…
Even if you're living paycheck to paycheck find a way to pull out $10 and automatically put it into savings. Figure out the things that would save you the most money – moving to a new apartment closer to work, perhaps – or which would help increase your cash flow – a good outfit for interviews and some nicely printed resumes, perhaps – and do that as soon as these special savings allow.
One thing to note is that this does not need to be an ever upward climb; just think about what really makes you most happy and relaxed and continually reposition your world a little closer to getting more of that.
For most people it turns out not to be yachts and diamonds; just a job they like, while living in a place they love, and getting to spend time with people they enjoy. That's not as expensive as you might think, so take another little step closer to it today.
Discardia 
One thing to note is that this does not need to be an ever upward climb; just think about what really makes you most happy and relaxed and continually reposition your world a little closer to getting more of that.
I think that the above quoted is especially true. I think a lot of people spend their lives doing the things that they think that they are supposed to enjoy doing, wake up one day and wonder who they are. They spent so much time, money and energy, pleasing “society’s” interests that they never sat down and discovered what really makes them happy. I also think people don’t know what happiness is. It’s like we’ve seen one too many TV commercials or something and equate happiness with endless toothy grins.
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I’m a freelancer, so try to save every other invoice, even if it goes into my savings account only to come out the next day. Try is the operative word, but that way I have a stash sitting there to cover the inevitable dry period, health insurance and my self-employment taxes. I only transfer that money into my checking account when I really need to. It’s a little paranoid, but I started doing it when I was just starting out and had to save everything I could, and it’s a habit that has served me well.
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