Start good savings habits

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Saving money isn't easy, especially when you're on a tight budget. But, it's as important as brushing your teeth every morning and evening. Reward yourself by getting into the habit of saving something -- even $10 from every paycheck. Make setting aside money each pay period part of your spending plan. You'll be very glad you did when your car needs a repair, or some friends are heading to the mountains for the weekend and you have a little cash set aside for just such an occasion.

And, you simply must participate in any retirement plan such as a 401(k) at your job. Not only will your contributions grow dramatically but you'll save on your annual tax bill. Use these tips and strategies to get started saving and investing for your future.

Tips for building an emergency fund, 25 ways to start saving now!, Investing for beginners, FAQ about 401(k)s, Starting an IRA at age 21, Match or no match, keep your 401(k)

Compiled by Dena Dubay, Dani Arthur, Amy Fleitas and Myra Cristobal. Illustrations by Brandy Kesl.