Before you pay your mortgage, credit card bills, and day-to-day expenses, put some of your money away first. At the end of the month, you may wonder where all the money disappeared to – just like you do now. Only this time, you'll know that a portion of it is set aside.

• Make your money work for you
• Invest as early as possible and invest often
• Invest automatically
   

• Start By Paying Yourself Worksheet (pdf) – Calculate how small changes in your spending habits can add up to significant investments.
• "Mocha Mistake" Calculator – Small purchases you make every day really add up. Find out how much you could invest by cutting back on some of those expenses.
• Dollar Cost Averaging Calculator – See how a lump sum investment and a series of monthly investments react to varying market conditions.
• Power of Compounding Calculator – Find out how a monthly investment plan can grow over time.
   

• Dollar Cost Averaging
• The Power of Compounding
   

A program of regular investment cannot assure a profit or protect against a loss in a declining market. Because such a program involves continuous investments regardless of fluctuating share values, investors should consider their financial ability to continue purchases through periods of low price levels.