We hear all the time about how people cannot save any money anymore. The U.S. savings rate is abysmal. Whether it’s just by habit, convenience or lack of priorities, many people have a mindset that leads to wasting money. If you start consciously thinking about how you spend money and make changes to the way you think about money, you can get yourself out of this habit. Once you start implementing a new way of thinking, you can find enough money every month to build your emergency savings, contribute to your 401(k) or fund your IRA. For all the details on 12 ways to save money in 2017, visit our sister site, Living on the Cheap.