Please allow me to add David Bachs books ( www.davidbach.com ) He wrote automatic millionaire and Start late finish rich and other books that are for women. See his website.
He tells you how to set up to save automatically and to watch Latte factors, such as what do you buy on the way to work? During your lunch break? And going home from work?
A lot of people buy coffee donuts & cigarettes just to start the day. Add a $6 lunch and stop & get soda & candy bar on the way home form work. There you go $10-15 easily spent in just one day! Times that by just 3 times a week and you have $40-45 you could have saved. Ok so read his books, they are enlightening! Blessings Dee