When you have a large, foreseeable purchase on the horizon—a wedding, vacation, home improvement, or even just the upcoming holiday season—consider setting up a separate savings account for the purpose. Having the money in a separate account ensures you won’t spend it on something else and allows you to see the savings adding up quickly.

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Now that we are half-way through the year, it’s time to take a look at your budget to see if you are on track to reach your goals for this year. Do you find you have trouble sticking to your budget? Do you need to refinance some debt or get some practical tips for managing your spending? Keep reading!