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You've completed the budget worksheet, what now? Should you find that at the end of the month that you are consistently spending more than you are bringing in, it might be time to take a closer look at where you're spending your money and adjust those areas you can to make up the difference. Should you find, on the other hand, that you consistently have money left over every month, you now have the opportunity to decide what to do with that extra cash. Do you need to build up an emergency or "rainy day" fund? Could you be contributing more to your ​retirement savings? Could you pay certain loans off faster? Or perhaps you would like to save up for a special or large purchase.

How to Save Money. To build wealth, you have to start somewhere. Therefore, the ability to save money is the cornerstone of building wealth. In order to save money, you need to spend less than you earn. This may seem obvious, but so often, it's easier said than done. Fortunately, there are several devices you can use when beginning to save money, even when your budget is tight.

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