Payroll deduction is among the best fixes for struggling savers. With this approach, you have money automatically taken from your paycheck and transferred to a savings account or retirement account. Your employer may even allow you to directly deposit paychecks into multiple accounts.
Also, send any additional income from raises, bonuses, cash awards or other windfalls straight to savings. If your air conditioner breaks down or it’s time to take that cruise, you’ll have a nice sum of money waiting for you in the bank.
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