“Saving money really means putting your own personal finances first,” says Mark Hamrick, senior economic analyst at Bankrate. “So, think of saving money as a way of paying yourself first. By making saving money a priority, you are boosting the chances that your financial future is going to be stronger than your financial present or past.” Start by building an emergency fund in a savings account so you don’t have to raid the rest of your savings and investments when a big expense arises unexpectedly.