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It doesnt have to be stressful or unpleasant.

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Also seefive frugal habits to save money every day.

So when should you start saving?

If for your own education, right now.

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For a child, the sooner, the better, preferably when or before your child is born.

And here are some specific tips to help you save for higher education.

So when should you start saving?

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This can be anintensive savings goalbecause of the relatively short time frame, so keep that in mind.

And here are some specific tips on how to save for a wedding.

When should you start saving?

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Again, be realistic and reasonable, and determine how much you could comfortably save each month.

Youre in apretty good spotif you’re free to hit your savings target within three to five years.

And here aresome specific tipson how to save for a home.

When should you start saving?

Ideally, from your first paycheck onward.

While most of us will miss this goal, the next best thing is to start saving right now.

And how can you save?

Most employers offer a 401(k).

Contribute to it and take advantage ofemployer matching fundsif thats an available option.

This is one area where seeking the advice of a financial professional can be especially important.

If you get araise or bonus, add that to your retirement savings.

Stay on top of your progress.

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