?Here’s another reason to get serious about saving — it’s a new year. Although the occasion isn’t going to turn us into smart savers, it sure is a good reminder. We all have our own methods of dealing with money, but here are a couple of saving tricks that will grow your money:
??The top-down view: Instead of skimping here and there, take the top-down approach to saving money. Basically what you need to do is figure out your biggest expenses, then brainstorm ways to save and tackle the biggest expenses first.
??The $5 jar: Instead of the ole change jar, have a $5 savings jar. Whenever you have $5 in hand, drop it in the jar. You’ll see your savings accumulate more quickly with fivers than with just coins.
??Improve your memory: Studies have shown that training your memory can build up a desire to save since short-term memory is linked to planning for or envisioning the future. A couple of ways to improve your memory include attaching an image to something you want to remember and practicing memorizing it over and over again, and avoiding multitasking.
??Read a personal finance book: To make dealing with finances really hit home for you, pick up a personal finance book. I recommend Ramit Sethi’s I Will Teach You to Be Rich （$14）。 It’s a good book for those in their 20s because it dishes out practical personal finance advice in a fun and easy read.
??Let technology aid you: Use web tools to make it easier to budget your money. The