Is it really only Tuesday?

Happy day after Valentines Day/weekend.  
Sometimes I feel that Tuesdays are harder than Mondays.   We make so many promises to ourselves over the weekend about what we're going to do on Monday that when we don't get a chance to do them all Tuesday morning we berate ourselves about it and give up. 

Especially after a holiday where we may have spent a little more money than we intended to and it sidetracks our saving plans for the next few weeks.  To offset these little speedbumps in life it's a good idea to squirrel away a few extra dollars, whether it's in a separate bank account or the "Girl's Night Out" fund Jar on the kitchen counter.  Saving money for a "rainy day" can seem like an insurmountable task, especially if you set a goal amount.  What I've come to realize is doing it a little bit at a time makes it much easier.  Even if you start with $.25 a week and then try to increase it by adding $.25 to it every week (i.e. week 1 $.25, week 2 $.50, week 3 $.75) pay yourself first and don't try to jump start it by throwing in $5 or $10 in the beginning as you'll only find yourself reaching into the proverbial cookie jar when funds are running low.   The idea is to slowly learn how to live without that deposit amount and get used to living on what's left.  Once you reach your goal amount then continue to put in your final amount until you double the savings balance.  

We like to use ING Direct as our "don't touch" savings account.  We send a set amount to that account every month when my Husband gets paid and are using those fund to try and reach our goal.  We buy Certificates of Deposit every month we can.  Our Ultimate goal is to have 12 months of mortgage payments and living expenses in CD's that mature every month of the year.