If you get a knot in your stomach just thinking about your savings account, don’t freak out.

Most people could stand to improve their spending habits, especially in an era of irresponsible spending from the millennial crowd who just plain don’t know what to do with their money.

That said, the financial and emotional benefits of good saving habits are impossible to deny. For example, consider the positive side of having extra money in the bank including…

  • Stressing less about emergencies and “what-if” situations that may otherwise be hanging over your head
  • You’ll head into your twilight years with peace of mind when you start saving today: although the future may seem light-years away, there’s no harm in getting a head-start
  • You ensure your own personal growth by having the money to do what you want to do such as travel, support your hobby or start a business

However, just because your savings account is currently gathering cobwebs doesn’t mean that you’re doomed to a poor financial future. Even if you aren’t 100% satisfied with your job or have no idea where to start with saving, there’s hope for you.

Let’s start with the following most basic tips for those looking to beef up their savings account and rethink their spending habits for good.

Don’t Be Afraid to Ask for Help

Let’s be honest: that economics class you took in high school was not enough to make you financially literate, was it?

The public at large wants to know what they need to do to get started with the stock market or go into business for themselves; however, the knowledge often isn’t there. Between reading up on personal finance blogs to seeking stock recommendations, never ignore the power of asking. Even having a heart-to-heart with someone at your local bank could be potentially life-changing for those who don’t know the first thing about saving.

Don’t Sweat Small Setbacks

The rule of thumb for most people is to put away about 20% of their paychecks, but one-size-fits-all advice may not apply to you. That said, there will inevitably be times where you don’t meet that goal for one reason or another. Perhaps you splurged on a birthday present or a night out was a bit pricier than you thought.

Regardless, you can’t give up saving just because you didn’t meet your goal once or twice. Think of saving as a marathon versus a sprint: take small setbacks in stride and get back on track. In short, don’t beat yourself up if you ever fall behind and reassess your needs if you continuously struggle to save.

Let Apps Do the Legwork for You

Finally, bear in mind that not everything falls on your shoulders when it comes to savings. Many banks have mobile apps with auto-save features which helps put away money automatically without you having to stress out over it. Additionally, budgeting apps like Mint are all-the-rage right now for people trying to figure out how to stick to a budget for the first time.

Such apps are crucial to sticking to your goals and can honestly make saving money a totally painless process. As the old saying goes, “out of sight out of mind” as your apps do the heavy lifting on your behalf.

Nobody said saving money would be easy, but that doesn’t mean you should give up because you’re not a serial saver already. With these tips in mind, you can keep more cash in the bank and breathe easy knowing you’re securing your financial future.