Is your travel fund running low? Us too! We are still early in 2018 and now is a good time to look at your finances and really get a grasp on what you have, owe and have the ability to save.  Learning to be creative with your savings is a guaranteed way to have some spare cash at the end of each month. Saving money is a long term habit and when you really commit to saving each month, the savings over time will grow. By the 12th month, you’ll feel accomplished at your ability to save just a little every month.