This is the first instrument in saving habbit. Keep a piggy bank where you can drop coins or notes from your savings. when you find coins scattered in your home, collect them and drop them into piggy bank and that accumulates into considerable income. When ever you avoid unnecessary expenditure like movies, going out , eating out, drop that amount into this piggy bank and at the end of month it would be interesting to you. When the accumulation is sizable, transfer them to any of the following methods of short term savings.
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