1. Automate your savings. If you’re not saving consistently, make it automatic by adjusting your direct deposit or scheduling recurring transfers from your checking to your savings account.

2. Increase your savings by 1 percent. Already saving? Why not increase your short-term savings or retirement contributions by 1 percent of your income?

3. Track your spending. Documenting your spending daily, weekly or monthly will make you more aware and help you spend more intentionally. You can track manually, with a spreadsheet or use an app. Your bank and credit card statements may categorize your spending for you.