1. 4 Steps Families Can Take to
Begin Saving Some of Their Hard
Earned Money
Advisory services offered through CWM, LLC, an SEC Registered Investment Advisor. Carson Institutional Alliance, a division
of CWM, LLC, is a nationwide partnership of client-centered, growth-minded advisors.

2. 1. Change your Attitude
This doesn’t seem like a big
thing, but your attitude means a
lot.
You have to want to save money.
Change your mindset to be a
Saver not a Spender.

3. Lifestyle Creep
As you grow and your lifestyle
changes, it’s natural to start
wanting more, like; a house, a
new car, etc.
But, don’t increase your lifestyle
too soon.
Control it, understand it, and time
it.

4. 2. Create Awareness
Start by tracking your day-to-day
spending.
If you are aware of what you are
spending your money on and why, it
will help you to decide what changes
you would like to make to begin saving.

5. 3. Pay Yourself First
When most people receive their
paycheck, they normally pay all of
their bills and spend money on other
things and see what might be left to
save.
To be a saver: you need to set aside a
portion of your paycheck and put it
directly into your savings/retirement
account.

6. 4. Implement a Plan
Create your own monthly spending
plan!
Once you create your plan make sure
you stick to it.

7. Creating Choices
You shouldn’t save only when you
have something to save for.
It’s always important to save for
things that can happen down the
road.
Save now so you can have choices in
your life.

8. Summary
By following these 4 tips, you will be well on your way to becoming a Saver
instead of a Spender.
Advisory services offered through CWM, LLC, an SEC Registered Investment Advisor. Carson Institutional Alliance, a division
of CWM, LLC, is a nationwide partnership of client-centered, growth-minded advisors.