Editor's note: This article appears in Kiplinger's special issue Success With Your Money.
1. Start an automatic savings or investment plan with a bank, a mutual fund or your retirement plan at work so money is taken off the top of your paycheck, before you see it or spend it.
| Row 0 - Cell 0 | Set Off on the Right Foot |
| Row 1 - Cell 0 | Ten Tricks to Help You Save More |
| Row 2 - Cell 0 | Success With Your Money Special Issue |
2. Deposit your paycheck directly to savings rather than to your checking account. You can transfer money to pay your bills, but you'll think twice about withdrawing additional cash.
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3. Limit yourself to one ATM withdrawal per week, and make your cash last.
4. Subtract credit-card purchases from your checking account immediately so you're not surprised when the bill arrives.
5. When you subtract a check from your account, round up the amount to the next dollar. That way, you'll always have a slush fund.
6. Can't decide whether to buy something you've seen at a store? Give yourself a 24-hour cooling-off period. Chances are you won't go back.
7. Buy a couple of storage bins -- even a shoebox will do -- into which you can toss credit-card and ATM receipts. That simple step will help you get organized -- and give you a visual record of your spending.
8. Toss spare change into a jar on your desk or dresser. You'll watch your money grow to hundreds of dollars a year, which you can deposit into your savings account (or use to buy the item you passed up in tip number 6).
9. Each time you resist the temptation to buy a latte or go to a movie, put the money you would have spent into your cash jar. It's an immediate reward for self-discipline.
10. Once you finish paying off a loan or credit-card balance, keep making payments and put the money in a savings or investment account.