You have to know how to plan to save. The best way is by defining your goals. To end up where you want to be, you'll need direction, a financial plan. To get started on your plan, you'll need to ask yourself what are the things you want to save and invest for. Here are some possibilities:

A home

A car

An education

A comfortable retirement

Your children

Medical or other emergencies

Periods of unemployment

Make your own list and then think about which goals are the most important to you. List your most important goals first.

Decide how many years you have to meet each specific goal, because when you save or invest you'll need to find a savings or investment option that fits your time frame for meeting each goal.

The next step is to make a financial plan by figuring out your finances. Sit down and take an honest look at your entire financial situation. You can never take a journey without knowing where you're starting from, and a journey to financial security is no different.

You'll need to figure out on paper your current situation - what you own and what you owe. You'll be creating a