As we move closer to a new year, it’s not too late to start working on building habits that can help boost your savings account.

Americans are only saving 4% of their income on average. Barry Bigelow from Great Waters Financial says that this is due to the cost of living continuing to go up. He mentions that the issue has stunted people’s ability to continue to save.

Some tips to get into that savings habit, Barry suggests:

1. Find your why: You want to have a strong goal that’s going to motivate you to keep up as you save your money for something that’s positve.
2. Be easy on yourself: Balancing savings and spending is never as strict as it seems. Barry says it doesn’t have to be all doom and gloom, and life happens so you can still have fun and spend.
3. Finding an accountability partner: Find someone who will help you stay on track and will remind you about spending and saving.