Make a list of the 10 most important things in your life. Next to each item, rank them in order of importance using numbers 1 through 10. The purpose of this exercise is to help you see the things you consider the most and least important and to provide you with a visual of why you need to save. Some examples of things that a person might put on their list include new home, car, special trip, artwork, starting a business, or pay off debts.

Break your goals into short-term, intermediate-term, and long-term. Being able to see your accomplishments is a great motivator for you to work hard at saving. If you set a short-term goal of saving for tickets to the symphony and reach that goal, you will be encouraged to keep saving for the intermediate and long-term goals.

When it comes to saving money, make sure the goals you set for yourself are realistic. If you earn $50,000 a year, saving $20,000 would be nice but it is very unrealistic. Make your goals attainable or you will never save.

Everyone should create a budget.  If you are not sure how or just not good with money, many businesses such as H&R Block, offer free financial consulting to help you put a budget together.  Knowing where you are spending your money is by far the best way to save.  In most cases, people have no idea where their money is really going and once they see it on paper, not only are they surprised but eager to change their spending habits.

Planning is a great way to save.  Before you go to the grocery store, make a list and stick with it.  If considering a vacation, plan everything.  Heading out with no set direction will certainly lead you to impulsive spending.