Saving is a habit and not a hobby. Let me start with that note. You might hearing lot on "How to Savings?" lately over the Internet. They always suggest some hard to follow strategies that doesn't fit to all type of people. I am here to share my own simple, realistic, and ideal plan sure won't turn you down on your thoughts about savings. So go and read on...

Whether you are looking to save small for your IPOD or little bit more for a new car or bigger amount for your first home. Let me tell you first thing you should know.

Savings is hard and never comes off the cuff. Not many like to hear, sorry that's the truth. You should first and foremost realize that tough fact. I always like to expose the fact first instead of coating the sugary picture before diving deep in. When I was kid(6th grade), my mom showed the value of real money. She taught me, how to save every paise(Indian currency equivalent of penny). I started my first savings bank account when I was at my 7th grade and started putting every rupee(Indian currency equivalent to dollar) I earned. That's the foundation for my savings and spending habit. If you don't have that Saving habit built into you as a kid, its going to be hard to start with but it was never tough act. Anything is possible under Sun and above earth if you ask me. It's just needs determination and to make habitual by constant practice.

A quote by Frank Outlaw goes very well at this point.
"Watch your thoughts; they become words.
Watch your words; they become actions.
Watch your actions; they become habits.
Watch your habits; they become character.
Watch your character; it becomes your destiny."

You need to first cultivate the thought about Savings. Then talk about it to your spouse or friends anytime you talk about money or expenses. Then act on it by following any or all of 3 methods.

Prerequisite: Open a savings account either with Internet banks or local banks with just minimum deposit of $1. Credit unions are best for small saving accounts.

1. Start putting your change(pennies or dimes) which you gather every day or week in a piggy bank or a simple container. Every month, take the change to near by bank and deposit it to your bank account.

2. On every ATM withdrawal, take $10 out of it and put it away in the secret compartment in your wallet. Don't ever touch it whatever comes. At the end of the month, take it all out and deposit in your savings account.

3. I call this one it Blind savings - Put away a small amount from your paycheck automatically as a Payroll deduction or auto deduction from your checking account to your CD or Savings account.

Once you start taking actions. Everything falls into picture automatically transforming yourself and the savings habit gets built slowly into you. Once you got the habit, it comes off the cuff without even thinking about like your second nature.

Don't think its not possible. You already took your first step thinking about it on the path towards making savings a habit.

So start working your next step by talking and taking action.