This Year I Vow To...

Save More Money

In just 1 1/2 years, Fools have socked away $350 million in savings. (Insert dramatic pause.) This is one time we recommend that you follow the herd.

Need some help on painless thrift? Talk to an Ayco financial advisor one-on-one to find out your best savings options when you subscribe to TMF Money Advisor. It's free for 30 days if you sign up now!

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Take a pay cut. Yup, you read that right. Successful saving requires giving yourself less money to spend — it's that easy and we promise you won't miss it. Just come up with a dollar figure (don't overthink it) and vow to take a stab at socking it away. Our free Savings Kit will help keep you motivated and on track.

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Make savings a no-brainer. Set up a savings account that's separate from your regular checking account, and have some money automatically directed into it. With the account inaccessible by debit card, it'll be less tempting to break in and blow the balance.

Supersize your balance with a savings account that earns the most interest. Check out the rates to the right on Money Market Accounts and Certificates of Deposit with our sponsor, MBNA. They're some of the best that you'll find.

Learn how to save money and protect yourself from credit gremlins in our new online seminar, FICO 850: Achieve Perfect Credit.

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Take a pay cut: Pick a savings goal, print out the Savings Kit and hang it in plain sight. It's a good reminder of the power of every dollar.

Automate and supersize your savings: Open an account that'll earn you some decent interest. Shop rates with our sponsor MBNA, and then automatically direct money from each paycheck into it.

How much do you need to save? Try The Motley Fool's TMF Money Advisor and gets hands-on guidance to map your financial future. Someone's on call to answer your questions and help you save enough to reach your goals. Go from vague wishes to practical plans with TMF Money Advisor. FREE for 30 days!