Have any of you heard of the 52 week savings challenge? You basically make a chart out and label it 1 through 52 to account for the weeks of the year and pick a day of the week that you are going to deposit money into some sort of savings account. You then put in the amount of money for the week you are on. You start out week one by putting 1 dollar into your account and so on until you reach week 52. At the end of the year, you will have $1378 in savings plus the interest you earned over the year. You could even start out high at $52, and work your way down if that works better with your finances. I am on week 7 now and so far so good.