This is a guest post by Kristin over at http://twentiesmoneymag.com/blog/.  I am sure we all know how Valentines Day festivities can get expensive. Retailers know that there are a ton of punch-drunk lovers out there who want to impress and woo their partners. But it all comes at a price. Figures, right? A year ago, [...]

Start small even if it is only a dollar. Remember that no amount is too small. Keep a change jar handy. Save all of your change. It adds up very quickly. Take all the change out of your purse and stick it into a container. Once every six months, make a deposit into your savings. [...]