We live in an age of rapidly growing technologies. It seems like every day there is a new gadget, some new technological breakthrough toaster-iron-massage chair which we just HAVE to buy.

This couldn't be further from the truth. As adults, we are supposed to possess maturity, life experience, and a level of self-control. So how are we supposed to save money? There are a few really handy ways, but bear with me because some of them may seem pretty silly.

• Keep the Change, and similar programs. Some banks are introducing (or have had in place) programs which assess each purchase made from your checking account and place the remaining change from the nearest whole dollar into your savings account automatically. It helps if you actually HAVE a savings account, first. Contact your bank and see if you can get this service.

• If you can, inquire about switching to a more restricted savings account. Some savings accounts will severely penalize you for withdrawing more than a specified number of times a month. This will prevent you from justifying the withdrawal, especially if your bank only allows one withdrawal from savings every statement period.
• Get a piggie bank. Let me know when you're done laughing. Good to go? Ok, so get a piggie bank and start shoving your coins in it. Every day when you walk through your front door, put every coin you have in your pocket in this piggie bank. My suggestion is a big one. Now here is the hard part: Don't touch those coins! Let them continue to multiply as you go through your life as normal. Before you know it your piggie bank will be spewing coins it's so full. You'd be amazed how much money you can save this way.
• Get help from a friend. Find a buddy who wants to save money also, and put together a plan to help one another out. Often, having a support group, however small, aids in reform and change. In this case, you will help one another become a bit more money-conscious, and also bond in the process. Sharing a trial or change in lifestyle can deepen a friendship.

The most important reason to save money is in case of disaster. Do you have enough money to cover a blown out tire? What about if you injure yourself and require hospital treatment? Are you prepared? If not, then start saving now. A good rule of thumb is to have no less than three months of bills and living expenses in savings at any given moment. By having that much in savings, you have additional insurance should something terrible happen.