We will only mention one way to start saving. Creating an ongoing savings plan takes discipline and responsibility. Its unrealistic to think a person can save everything they have. Some can, but most can’t. For those who have a hard time saving, start little. Try saving an equal amount for non essential items. For instance if you buy ice cream put the same amount you spent on ice cream in savings. Little by little that savings account will grow. Money will be in that account when you need it or fall on hard times.