Setting financial goals and sticking to a budget doesn't come easily for everyone, regardless of whether you're still a student or a well-seasoned professional. In fact, those are the challenging first steps that separate many of us from our long-term goals.\nIt doesn't matter if you want to enjoy a quiet chalet weekend, buy yourself a fat bike or finally go on that long-awaited road trip — completing any of these projects requires some discipline, organization, and a few good habits.\nJulia Volk | Pexels\nIf there's one thing Desjardins understands, it's that people have different needs and goals depending on their situation and lifestyle. That's why they work hard to provide members and clients with unique products and services to help them achieve those dreams.\nTo help you check some of those items off your bucket list, there are a few money-saving habits that you can adopt to stop hiding from your bank statements and start watching your finances flourish instead.\nStart Saving ASAP\nThe reason you've heard this advice a gazillion times is that it works. Setting up automatic transfers to your savings account is the best way to fend off the temptation to spend. Besides, the money you set aside will also increase through compound interest.\nIt's a beautiful thing that requires zero added effort and can help you earn more for a rainy day. For more tips on how to save effectively, click here.\nAndrea Piacquadio | Pexels\nCut Down On Small Monthly Purchases\nThis is a great opportunity to re-evaluate those seemingly minor transactions that go unchecked month after month. Do you really need all those streaming subscriptions? When was the last time you used that app on screen seven of your iPhone that's costing you $2.99 every month? Are you actually using all the data you're paying for in your mobile plan?\nAs they say, the devil's in the details. Cutting your expenses back to the essentials will have your piggy bank bursting in no time, and you'll be closer to your goals before you know it. Adapting a budget is a crucial step in increasing the efficiency of your savings plan.\nTony Schnagl | Pexels\nKeep Your Cravings In Check\nStopping for a $5 latté or ordering takeout every other day can end up costing you a pretty penny. Do yourself and your wallet a favour by exploring your passion for cooking and prepping your meals for the week.\nIt doesn't need to be haute cuisine, although it could be a great way to discover healthy and affordable recipes. You can also read this article for more tips on how to manage impulse spending.\nGustavo Fring | Pexels\nStay On Top Of Sneaky Late Fees\nWhether you sometimes forget to pay your credit card bill on time or return library books by their due date, late fees can add up quickly. That's just another reason why it's crucial to periodically assess your expenses.\nBy avoiding unnecessary spending such as this, you'll see your hard-earned cash won't be slipping in and out of your hands any longer. If you're a student, you can take advantage of services designed specially by Desjardins to help you start saving early.\nAbby Chung | Pexels\nLove Don't Cost A Thing & Neither Should Your Happiness\nHaving fun and enjoying the outdoors doesn't have to cost you an arm and a leg. There are places where you can go snowshoeing, ice skating, and cross-country skiing for free. As for gear, you can find secondhand sports equipment stores in and around the city, giving you plenty of options to choose from.\nPavel Danilyuk | Pexels\nDiscover The Value Of Homemade & Pre-Owned\nYou'd be surprised how much money you can save by buying preloved items. From clothes and books to furniture and even tech gadgets, you can rescue all sorts of orphaned goodies and give them a new home while avoiding paying full price for those treasures.\nAfter doing your part to keep some garbage out of our oceans, you can continue contributing to a cleaner planet by making your own eco-friendly makeup and household cleaning products. Welcome to the art of being thrifty!\ncottonbro | Pexels\nEvery month is another reminder that money goes way too fast. But, with these simple and effective ways to save, it can also be another chance to lay the foundation towards accomplishing your goals quicker than you think.\nStart introducing these tricks into your routine and see which ones make the most sense for your lifestyle and aspirations. If you're looking for more personalized advice, reach out to a Desjardins advisor who will happily help you find the right tools to achieve a healthy financial future.\nTo learn more about how to improve your personal finances and ways to save money, check out Desjardins' blog, Web site, or follow them on Facebook, Instagram or Twitter.