You know, I began serious about saving money after a few months in the AKPK debt management program (DMP).
Before in the DMP, there was never money left after making payments to credit cards, home and car loan installments, utility bills, and groceries.
Since being placed in the free debt management program in October 2008, I have been able to save RM320 in my personal savings account so far for emergencies and other high-expense endeavors.
Oh, not to forget that there are still small change in my ceramic piggy bank. 
Seeing some money in my savings account spurs me to try harder to find more extra cash to put away for emergency needs.
If you are loaded down with credit card bills to pay each month and are wondering how you can begin a savings account for emergencies and other high-expense endeavors, try out two tips that I have been using.
1. Pay Yourself First. This tip didn’t work for me before my and hubby’s debt management programs. Why? Because there was never enough money to pay the bills; the expenses always surpassed the income.
Of course, the rule of “Pay Yourself First” works now. Thanks to hubby’s full time teaching job that generates fixed income every month. I am able to transfer his money to my personal savings account on his pay day, which is on the 28th each month.
You will grow richer each month if you begin to pay yourself first. Before making any bill payments, decide whether you will pay yourself 5% or 10% first. Then, deposit or transfer the amount into a savings account before paying any bills.
2. Save Your Extra Change in a Jar. Oh, I love this technique for saving money very much. I started inserting small notes into my ceramic piggy bank this February after reading the power of small penny and dollar savings.
To date, I don’t know how much I have saved in my piggy bank. I only want to find out the end of the year. Hopefully there will be a few hundreds that I can add to my emergency fund.
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