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This year, turn your financial focus to improving your saving. In addition to your retirement account, experts recommend having three to six months of expenses saved in case of emergency. Not quite there? Use these tips to start saving more:

1. Put together a monthly budget, with income, bills and other expenses. Set a monthly savings goal and trim expenses as needed to hit that goal.
2. Once your budget is set, pay yourself first. Have money automatically withdrawn from your checking account and put into your savings or an investment each month.

3. Today you can save by reading the news online instead of purchasing newspapers everyday.

4. Comparison shopping, using coupons, choosing regular instead of premium gas, buying a faucet filter system and drinking tap water instead of bottled are simple ways to spend less each month.

5.When you get “free” money such as gifts, tax returns and bonuses, put it into your savings or another interest earning account.

6. If you’re struggling to hit your spending and savings goals, revisit your budget to find other areas to cut expenses.

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