Opening a savings account seperate from your normal account would be a good place to start. Every time that you get a little "extra" money, put it in there and leave it alone. Once you have at least a $1000 or more in there you can take it out and put it into a credit deposite. You cannot withdrawl money from a credit deposite for a year, or two years, or whatever term you set it up for without being charged a big fee, so that helps you to leave the money alone. You also cannot add money to it until it is up for renewal (which is the only real downfall). Credit deposites pay you a lot more interest then a savings account, so you will quickly see your money grow, and everytime it is up for renewal, you can then withdrawal from it, or add more money to it. I suggest that you save up and then set up a credit deposite with a start of $1000 (or more if you can afford to) for a one year term. During the year, start saving again in your savings account. At the end of the year when your credit deposite is up for renewal, take the money that you have put into the savings account and add it to the credit deposite and sign the credit deposite up for another year. Then start over with the savings account for the next year. If you keep doing this, I gaurantee you will be happy with the amount of money that you will aquire from interest in a few years. I have been doing it for a few years now and it's great. You can also see if your employer has a 401k plan, which works kind of similar. Each time you get paid, your company will take an amount that you specify out of your check and put it into your 401k account. The 401k also pays you interest, so you will see a good gain here as well if you keep it going. Hope this helps a little and I wish you a happy life!

If you have the ability to have your employer withhold some of your check, this is the easiest way. You can't spend what you don't have. Have them deduct 10% of your paycheck and deposit it in a savings account. Even better, put it in an IRA. You can save $4000 per year tax free towards your retirement. Usually you can't join your company's 401k or retirement plan until you are 25, but as soon as you are eligible you should join. Often they will match part of your money, up to 5% which is free money. You are usually allowed to pick which funds you want your money invested in. You are young, so you want something with a big return. Don't go with the safest one. Then forget the money is there - don't worry about it, don't move it or take it out. When you retire, you'll be very wealthy.

DIRECT DEPOSIT OF A CERTAIN AMOUNT OF EXTRA MONEY TO YOUR SAVINGS ACCOUNT, WHILE THE REST YOU GET IN YOUR CHECK. THIS WAY AFTER A WHILE YOU WONT MISS IT.