Many people will say that they do not have money to set aside to put in a savings but in reality they do have extra money it just gets spent because they don’t properly include it in their budget. For example if you get a coffee everyday on the way to work that can quickly add up, while it may only be $2 for that cup that can add up quickly. $10 over the course of a work week and as much as $40 over the course of a month. If instead you made coffee at home and took it to work with you every morning you could cut down that $40 to potentially $10.