start 401K. I did start it a year later but i was not "aggressive enough". Two years later I've changed into aggresive and increased my contributions.
start a savings account in ING. which I did three years later since I started working. Then I have sub accounts which i use for my car expenses and things I wanted to buy but I don't want to use a credit card and pay interest.
start an emergency fund. most financial advisors say that a person should need a 6 month worths of emergency fund. i don't have it. but i am slowly starting one.
do at least one overtime in every pay period and saved it.
pay my car in 2-3 years instead of 5 years and then save the car money for its maintenance and/or downpayment for a new/used car in the future.
borrowed books and videos in the library instead of buying and/or renting.
checking out the thrift stores, salvation army and goodwill stores before buying anything for my home.
making a store comparison prices notebook/spreadsheets and checking out store flyers before doing groceries.
clipping out coupons for things/food that i love to use and eat.
making a budget and sticking to it.
always carry a calculator and learning how to use it effectively.
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