Three "pockets" could be holding extra money for you.
Tax Savings- Did you get a large refund from last year's tax return? If you did, you are having too much withheld. You can start investing or saving that refund money each month and benefit from the earnings instead of giving Uncle Sam free use of your money.
Expense Reductions-If you are about to pay off a loan or credit card this expense reduction can have the effect of raising your income. The increased cash flow becomes an excellent source for new savings. Cut or reduce your finance charges and use this same money to fill your own pocket.
More Income-If tax savings and cutting expenses won't help, then you need to look at bringing in more money. You must be creative and optimistic about finding ways to get some extra money.
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