Me and my hubby can’t seem to save. We try but at the end of the month we have no money and we don’t have anything to show for it. We just had a baby last year and we are trying to find out a way to budget right. We watch your show and have tried what you said but we still can’t seem to save anything. Is there anyway for us to save? We want to make a good life for our family. Can you give us some advice?

The best way to save, Darlene, is to have the money automatically deducted from your account every month and put somewhere you can’t reach it. It’s very easy to spend money when its sitting close at hand. If you’re determined to make a good life for your family, then you’ll:

Put yourself on a budget

Set up an automatic savings plan for:

• Your emergency fund
• Your long-term savings
• Your child’s future education

If you’re finding you don’t have enough money, find a way to make more money.

You have all the power here. This is your life, your decisions, your money. Make it work for you.