Last Year: Save all your money.

This Year: Save some money.

It's totally unrealistic to think that you can live with just a few bucks on hand. Instead of aiming to save every single penny you can scrounge up, try budgeting for a change. Make a list of your daily spending, and trim out the excess. For example, do you really need that $4 caffeine fix everyday? Next, open up a savings account and set a goal. Aim to save $100, $200, or even $500. Put away little by little in a savings account, and before you know it, you'll have a hefty amount waiting for you.

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