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We all know we should save more.But with so many goals to save for- a house, the kids college fees, your retirement, occasional vacations and small emergency funds- its easy to feel there is just not enough money to do it all. BUDGET: The first step is to create budget. RETIREMENT: Just about every survey of investors these days shows the retirement is the main reason for saving,Yet an astounding number of people ignore the oppurtinities offered by employment based retirement plans.Take advantage of your employee provident fund and if possible add more to it than minimum required.Consider it money that grow without being taxed. EMERGENCY RESERVES: Many financial planners recommend that you have enough money in your saving account for atleast 6 to 9 months of essential expenses.It is always essential to have cash on hand. During blackout the ATM's were out so enough cash at home covered our immediate needs. PROTECT YOUR FAMILY...... HEALTH INSURANCE DISABILITY INSURANCE LIFE INSURIANCE.