The golden rule for having a fatty savings account is to keep a budget. I started budgeting once I realized that all I earned would disappear within a month and there was nothing left. I started keeping track of my expenses, analyzed which ones were unnecessary ones, adjusted them, and there was some money left every month available for savings.
My first budget tools were a pen and a paper. Then I used an Excel file (if you are interested in having one, email me and I will send you a great Excel budgeting file with detailed and categorized expenses, balance sheet and income statement calculations). Now I use Quicken and I am really enjoying it. This program is simple and saves you a lot of time. If you are a college student, you can purchase Quicken from your university for a much better deal than buying it online.
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