We know this is a real challenge. But there is help out there.

Take a look at the great ” Start Small, thing BIG campaign of ASEC  during America Saves Week.

Here is their Bolded Blurb

Visit www.americasavesweek.org  (or #ASW2012)   to learn how you can take informed action. Start Small, Think Big!

Here is another link that they provide.

   Every day is an opportunity to www.choosetosave.org.   

By the way, ASEC stands for American Savings Education Council. Its a great group. Please click on their site and use their tools.