Saving money is one of
those tasks that's so much easier said than done — everyone knows it's smart to
save money in the long run, but many of us still have difficulty doing it.
There's more to saving than simply spending less money, although this alone can
be challenging. Smart money-savers also need to consider how to spend the money
they do have as well as how to maximize their income. Start with Step 1
below to learn how to set realistic goals, keep your spending in check, and get
the greatest long-term benefit for your money.