"Go onto your bank's login page, and have it set up where that money is automatically transferred out of checking and into savings," Gamm says. "You don't have to worry about spending that money because you won't have access to it. Force yourself to make do with less money." Even with automation, it's a good idea to manually review your bills and bank statements for any errors.
5. Revisit your retirement contributions. The Employee Benefit Research Institute in Washington, D.C., reports in its 2013 Retirement Confidence Survey that almost half of workers are "not too confident" or "not at all confident" about having enough money for a comfortable retirement. Start contributing to a retirement account if you aren't already, Gamm suggests. "The more time you have, the more powerful compounding interest will be," Gamm says. "It's not how much you put in, but how long you have on your side. Starting it sooner than later is going pay huge dividends."
If you are contributing to an employer-sponsored retirement account like a 401(k) or 403(b), consider bumping up your contributions, especially if you aren't getting the full employer match available to you. Some employers let you adjust retirement withholdings at any time, while others may only give you the option twice a year, according to Heider. If your employer operates on the fiscal year calendar, July 1 may be a key date to remember for tweaking your withholding.