We all hear that the economy is doing better, but stats show that most Americans haven’t gotten a raise in a while. No wonder many of us are having a hard time saving money!  When you have nothing left, there’s nothing to save! But financial experts agree that saving something, anything at all, is better than failing to save anything.  So start small and save often.  If you can’t save several hundreds a month, no problem. Start by setting aside $20 a week and see if you can live without it.  Once you do, add to it. Or maybe set aside some funds at the start of the month and try not to touch them.  Experts say DO NOT wait until the end of the month to do it, because if you wait and try to save what’s left over…there won’t be anything left over!