Setting goals is the easy part. The real change comes in trying to turn all those good intentions into new habits that stick. Help ‘em stick by letting a computer manage your habit for you thru automation. Lots of financial experts agree that the best way to save is to make sure you never touch the money in the first place. Think an automatic paycheck withdrawal to a savings account every time you get paid or automatic payments on your debt every month. It’s harder divert that money for an impulse buy when it gets set aside automatically.