Saving Strategy #2  Stash money in your retirement plan.
Put money into your 401(k) plan, TSA plan or tax-deductible IRA. The money it earns won't be taxable until it is withdrawn, and you'll garner a tax deduction for the money you contribute to the plan.

Saving Strategy #3  Save through payroll deductions.
Payroll deductions that go directly into your savings account or into U.S. savings bond are an excellent way of saving, since it is money that you never see. Don't defeat your plan by raiding your savings account or cashing your bonds.

Saving Strategy #4  Make extra principal payments.
Make extra principal payments on your home mortgage each month, to reduce the principal balance on your mortgage and decrease the interest that you pay. This will increase the portion of your regular mortgage payment that goes toward principal.

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