Passbook Savings

Scientific experiment: put your favorite candy bar on the table in front of you and don't eat it—ever. No matter how much will power you have, chances are it will be gone pretty soon. But put it away and it's much easier to save for later. See where we are going with this?

Separate your savings from your spending money so you aren't tempted to use it. We'll add interest to your balance and before you know it, you'll be able to afford a whole lot more than just candy bars!