Building a savings account today couldn’t be easier, but it should never be convenient. Even though you can set up an automatic deduction from your checking account each payday, making it just as easy to withdraw the money can create temptation.

If at all possible, do not link your primary savings account to another account as an overdraft protection line, and do not if you have the option get a ATM or debit card linked to your savings account.

Making a withdrawal from your primary savings account should be wrought with thought before doing so or you may find yourself dipping into the account for non-traditional use.

As the economy worsens, so does the fear. The scrutiny of each purchase, the fight with your husband because he bought Gain Detergent instead of the more economical Sun Brand Detergent as you had asked.

Of course you should think about each purchase, but it seems ridiculous to some to have to make such decisions over a choice of soap. It’s not, and never has been. Watching and being aware of what your everyday purchases really cost goes along way towards reaching your financial goals.

Typically buying in bulk, when on sale and with proper storage space can result in net savings that can pay off debt, save for the future or simply build wealth.

As the economy worsens, which it will in the near future anyway, tighten that belt, limit eating out to once or at the most 4-5 times per month and you will see an immediate increase to your available cash flow.