Saving is hard even in the best of financial circumstances. It’s even harder when you’re living paycheck to paycheck or just starting out your career on a tight salary and budget. A savings account with a little emergency fund should be one of your first financial goals, however, because it starts building that “savings” muscle and momentum for your larger money objectives. It takes discipline, but it’s not impossible to get even $1,000 of savings under your belt if you’re living paycheck to paycheck.