While it’s never too let to grow your savings. The longer you wait, the farther off your goals become. You need to get serious about your savings account and stop wasting money.

By now, you should have already figured out your budget, what expenses you have coming out of your paycheck every week, and a goal in mind. Realizing that no amount of money saved is insignificant can get you in the right mindset for some big changes.

Keep the Change

Your bank has a program where every time you purchase with your debit card, you can round up and drop that change into your savings account. You won’t miss a few cents here and there, but you’ll love when you open your bank account at the end of the month.

In the same vein, round up any spare change you find in your car or house. We know you have one jar you drop your change in when you empty your pockets. Take that chunk of change to the bank and put it in your savings account. Even better if you already have a high interest savings account

Cut the Dead Weight

Since you’re already tracking your expenses, try taking your lunch to work or eating dinner at home more often. If you notice a little extra money in your account at the end of the week, move that to savings. Retraining your mind and seeing your savings account grow should be more rewarding than grabbing fast food for lunch.

The same goes for going out. Consider meeting at a friend’s house for a game night instead of heading to the bars. Drink a glass of sparkling water instead of spending money on a drink. Making a few tweaks here and there can do wonders for your wallet. You don’t have to get rid of all the fun in your life, but by editing it a little bit, you won’t be stressed about your bank account.

Make Saving a Priority

Set up your paycheck to automatically send a percentage of your money to savings. It will come out of your check before you know it’s missing. By doing so, you’ll change your mindset that saving isn’t an option anymore. Having that money automatically withdrawn should be added to your monthly budget. If you get a raise or have paid off some debt, consider adjusting the amount that is taken out.