Saving Strategy #5   Save your bonus.
If you receive a substantial annual bonus, live on your regular paycheck, and save your bonus, or at least a significant portion of it. Like saving part of your dessert for later, you won't really miss it now, and it will give you great satisfaction later.

Saving Strategy #6   Bank your raises.
The next time you get a raise, don't tell your checkbook. Deposit the net amount of your raise into your savings account rather than your checking account. Hidden in your savings account, your raise will multiply like rabbits, and you won't miss it at all.

Saving Strategy #7   Continue making auto payments.
When your automobile is paid for, continue making the auto payments - to your savings account rather than to the finance company. In a few years you will have amassed enough to pay cash for your next car.

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