Set up separate accounts for top goals Open a dedicated account for each of the goals you identified in January - say, a 529 plan for college and a separate savings account for that kitchen renovation.
Sign up for automatic investing Have your financial services providers divert a set amount from your checking each month into these accounts. It's easy. Just ask them for an automatic investing form.
Make a routine of saving more Don't neglect retirement. If your employer offers automatic increases in your 401(k) contributions each year, say yes.
