With the economy still struggling to recovery, many may be resolving to save more money in 2010 when the clock strikes midnight on New Year's Eve. But unless would-be savers can critically examine their finances and make small daily sacrifices, saving money will be a daunting challenge. Taking the hurdles one step at a time is the best way to put money away for a rainy day. After all, as Benjamin Franklin once said, "A penny saved is a penny earned."

Little Changes Make Big Pocket Change

Rather than goaling an aggressive savings plan for the entire calendar year, try breaking down the resolution to save money into small parts. Focus on how to save money, where costs can be cut or whatever a family can do without. There's no need to take all the joy out of life, but minimizing how often one "splurges" on a new outfit, a weekend vacation, or a big grocery bill can add up quickly.

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