ALWAYS, ALWAYS, take 10% of your net pay out and put it into the savings account ? before you pay any bills, before ANYTHING else. Pay yourself first ? consider your 10% savings as your ?personal paycheck?.
Then, split your savings into two parts, half to long-term and half to short-term.
On months you can afford to, go ahead and put more into savings, but NEVER put less.
Source: http://retirementplanning.investblogs.com/2012/07/17/whats-you-savings-plan-that-best-works-for-you/
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