6 easy steps to start saving … January 6, 2020 Change Your Mindset – Savings are a necessary expense. When working out your monthly budget, include a little bit for savings, too. Use Cash Over Cards – This way, you’ll be forced to stick to your budget. Start Small – Every little bit counts. Think a dollar a day, a fiver a week, or $50 a month. Make it Automatic – Set up Direct Deposit at Heartland, and direct a portion of your income into your savings account so your savings can grow with no other effort on your part! Don’t spend it on luxury purchases. Instead, save up separately for expensive indulgences. Open a Saver’s Sweepstakes account — a prize-linked account that can enter you into a sweepstakes to win up to $100, $1,000, or $5,000!