People who have never saved money previously usually don't believe they have enough money to start saving.  But there are some things that can be done to get started. First, consider your “needs” versus your “wants.”

While it's nice to eat out, eating out can be much more expensive than preparing and eating food at home.  Another area where people don't realize how much they spend is when they buy coffee, candy, soda or cigarettes.  These may be small daily costs, but over time they can really add up.  Putting even that small amount of money into a savings account will get that money working for you.  Also you may have services that you do not really need and can be very expensive. You can never start saving too early or too late, and there's never an amount too small to save.

Use direct deposit, automatically depositing a portion of salary into your a savings account is a great way to make saving money a habit . Followings are examples to save money;

• If you get a raise or bonus from your job, save that money.
• If you receive cash for a gift, save at least part of it.
• If you pay off a loan, keep making the monthly payments to yourself.