20 reader tips for spending smart

1. Increase automatic contributions

"Every time I receive a raise at work I increase the contribution to my 401k by 1 percent. It is easier to save if I never put the money in my checking account."

— Timothy Porter, Framingham

1. Increase automatic contributions 'Every time I receive a raise at work I increase the contribution to my 401k by 1 percent. It is easier to save if I never put the money in my checking account.' — Timothy Porter, Framingham

Spending Smart

Helpful tips for challenging times.