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Building savings can feel like a lofty goal. And, if you’re not sure where to start (or just a pro procrastinator), it can be easy to put it off. The best thing you can do for yourself is just to start. Call them hacks, tips or insider info – either way, these 5 easy steps to start saving will set you on your way to reaching your goals in no time.

Change Your Mindset – Savings are a necessary expense. When working out your monthly budget, include a little bit for savings, too.

Use Cash Over Cards – This way, you’ll be forced to stick to your budget.

Start Small – Every little bit counts. Think: a dollar a day, a fiver a week, or $50 a month.

Make It Automatic – Set up Direct Deposit at MembersFirst Credit Union, and direct a portion of your income into your savings account so your savings can grow with no effort on your part!

Don’t Spend It On Luxury Purchases  Instead, save up separately for expensive indulgences.