As you set financial goals at different points in your life, you'll need a way to achieve them. Besides saving for retirement, you'll probably want a new car, a home, children, vacations and so on. If you get into good saving habits now, you can attain all of these.

To help you get on your way, we figured out how to save $422.85 each month. You can still have your coffee, watch cable TV, have a movie night and a healthy lunch. (We also show how we calculated these figures.) So which way will you go: the spender road or the saver route?

Where to find $422.85 each month for retirement savings

Expense: Coffee     Spender: Starbucks Grande: $46.50 Calculation Saver: Make own coffee: $  6.00 Calculation Saved:   $40.50   Expense: Cable TV     Spender: Basic + expanded Basic: $43.00 Calculation Saver: Basic cable: $14.30 Calculation Saved:   $28.70   Expense: Movies     Spender: Movie in theater with small popcorn and soda: $76.00 Calculation Saver: Rent movie, make own popcorn and soda: $32.35 Calculation Saved:   $43.65   Expense: Dinner date     Spender: Saturday night dinner for two at restaurant: $320.00 Calculation Saver: Saturday night dinner for two at home: $120.00 Calculation Saved:   $200.00   Expense: Lunch     Spender: Buy lunch at store: $154.00 Calculation Saver: Make lunch at home: $  44.00 Calculation Saved:   $110.00    Total:   $422.85