Saving is about discipline, and the best way to save is to start small and be consistent. To figure out how much you can save, you need to first identify where you spend your money and develop a financial plan or budget that can help build long-lasting savings. In fact, you'll be surprised how quickly you can save $1,000 by the end of the year, by reducing or eliminating some expenses for three months and stashing that money away. That extra money can be put toward an emergency fund or your retirement savings.
The 10 savings steps below will hardly inhibit your current lifestyle and, if practiced, will provide you with some extra money as you head into 2015.