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The first thing that you need to do in creating a savings plan is to set real goals. Short-term goals would include buying yourself a new laptop or a high-end PDA phone. Long-term goal would be something you want for you and your family on your retirement. Jot down your goals on paper and focus on them. Next, you need to create a timeframe for your goals. This would let you realize if your goals are attainable or not. Do the math and calculate how much you need to save per week to be able to reach your goal within a certain timeframe. You need to keep a record of your expenses and from this list, you can see what things you can cut down on to be able to save you a few hundred dollars per month.
