Make a list of your income.   
Write down what you earn from allowances, jobs, and gifts as soon as you get it, or save all your paycheck stubs. Calculate what you make each week, month, and year.
 
Evaluate your situation.   
Do your income and expenses even out? Are you spending more than you're making? Or do you have money to spare?
 
Create a spending plan.   
Figure out how much you need to save each month to reach your goals. Then decide how you'll come up with this money. When making your plan, it's better to figure you'll spend a little more and make a little less than you think. Look for some easy ways to save, like brown bagging it for lunch, or cutting back on entertainment or clothing. Remember, even saving $1 a day will give you $365 a year to put toward your goals.
 
Put your plan into action.   
For one month, try to make your actual spending match your plan. Do you have enough money to save for your goals? If not, make some adjustments and repeat this step. You can decide to work more, spend less, or set a more realistic target date. Once you reach a goal, review your plan and tailor it to fit your next savings goal.