"We keep track of our net worth using an Excel spreadsheet, and we put all our monthly updates in a binder so we can look back on how far we've come. This motivates us to keep saving and investing and to keep our expenses to a minimum." -- Lori Watts, Allen, Texas
Make your savings untouchable
"I keep a separate savings account that I'm not able to view with my ATM card. I can only see it online. Doing this ensures that I do not take money out of the account -- it's out of sight, out of mind." -- Jay Albino, Stony Point, N.Y.
