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No matter how thinly stretched your finances may feel, you need to set aside some money for longer-term objectives. Without a goal to work toward, saving feels like deprivation without purpose. The first step is to establish a target and put a price tag on it. Next, analyze your spending habits, looking for some fat to trim, such as that weekly $3 bag of chips being wasted on your hips. Small amounts add up. A reasonable goal is 10% of your monthly income. Adhere to the financial concept of "paying yourself first." That means that when you get your paycheck, set aside your savings before you start worrying about your spending. It takes discipline, but you can do it.