Whether you’re budgeting, saving, making retirement decisions, or assessing workplace benefits, share the choices you make with your spouse, your children, your family, even your friends if you feel comfortable discussing that information with each other. It’s up to you who you share your choices with, but saving does not have to be done alone. If making a commitment to saving means cutting back on some expenses, have your family help you by pitching in! If you’re trying to eat out less, have your kids get involved in making dinners and preparing home lunches for the following day.

Having others involved in your savings decisions helps keep you accountable for the spending decisions you make following your savings plan. Want to make it fun? Try a “no spend month” with a group of friends where you spend on nothing but your essentials (bills, groceries, housing, etc.) and curb any impulse and unnecessary purchases. This provides a support group for making better decisions together and will help you to be more successful. All the money you save by cutting out those purchases can go towards your savings goals!