{"list":"savings","data":[{"title":"Start with $10 a week","body":"Small and automatic beats large and occasional: $10 every Friday is $520 a year without a single hard decision.","href":"/save/first-100"},{"title":"Open a separate savings account","body":"Money you can see in checking is money you will spend. A separate account — ideally a different bank — adds one day of friction."},{"title":"Use a high-yield savings account","body":"Online savings accounts often pay several times the big-bank average. Same federal insurance, better rate.","href":"/save/accounts"},{"title":"Automate on payday","body":"Schedule the transfer for the morning your paycheck lands. You can't miss money you never saw."},{"title":"Save the raise","body":"When pay goes up 3%, keep living on the old number and bank the difference. Painless by definition — you never had it."},{"title":"Bank every windfall by rule","body":"Tax refund, rebate, birthday cash: decide in advance that half goes to savings. The rule does the work when excitement hits."},{"title":"Try a no-spend week each month","body":"Groceries and bills only, one week. Most people bank $30-$80 and learn which purchases they didn't miss."},{"title":"Save your 'paid-off payment'","body":"Finished paying off a $250 car loan? Keep paying it — to your savings account. The budget already survives without it."},{"title":"Use round-up saving","body":"Many banks sweep card purchases up to the next dollar into savings. It's only $15-$40 a month — which is the point: invisible."},{"title":"Name your accounts","body":"'Emergency fund' and 'Winter tires' get funded; 'Savings 2' gets raided. Specific names create real reluctance to steal from them."},{"title":"Set a 1% escalator","body":"Saving 5% of income now? Set a reminder to make it 6% in three months. One percent is never the reason a month fails."},{"title":"Keep the emergency fund slightly inconvenient","body":"No debit card attached, one transfer day away. Fast enough for a real emergency, slow enough to stop a Tuesday impulse.","href":"/save/emergency-fund"},{"title":"Save the difference on every deal","body":"Bought the $60 shoes instead of the $90 pair? Move $30 to savings, or the discount never actually existed."},{"title":"Do a 52-week ramp","body":"Save $1 in week one, $2 in week two, up to $52 — that's $1,378 in a year, and the hard weeks come after the habit forms."},{"title":"Sell one thing a month","body":"A steady $20-$100 a month from decluttering funds a starter emergency cushion by itself.","href":"/make-money/sell-things"},{"title":"Split the direct deposit","body":"Most employers will send part of each paycheck to a second account. The cleanest automation there is — ask payroll."},{"title":"Ladder CDs for known goals","body":"Money needed in 12 months can sit in a certificate of deposit paying more than checking — with a known date and a known rate.","href":"/save/accounts"},{"title":"Match yourself","body":"Every time you spend on a want, move 10% of that amount into savings. Spending $40 on games? $4 to the fund. Painless, proportional, automatic."},{"title":"Keep a visible tracker","body":"A jar chart on the fridge is not childish; it's effective. Progress you can see is progress you protect."},{"title":"Know your next milestone","body":"$100, $500, $1,000, one month of expenses. A ladder of near targets beats one distant number.","href":"/save"}]}