“Save for retirement, starting with your first paycheck.”
Though this (first paycheck) really doesn’t apply to some of the “older” folks who’ve been working for a while, the point is in many instances, it’s never too late to start saving.
If you don’t have a “paycheck”, your saving can be done by looking over your budget and your finances and seeing where you might cut back to “save”.
In the past year, I’ve had to start making some cuts in my spending – for many reasons. The stock market is not helping us, the unrest in the world makes everyone nervous. We’re all living longer, so our savings for retirement now has to go further and last longer.
No one thinks social security will be around when they need it; insurance/health costs continue to climb. Everything costs more today than a year ago when I first really focused on cutting back.
You can do quick things like checking your data plans, cell phone plans, internet plans, cable/satellite plans. I had a second phone line for my fax, so I got rid of it and changed to a printer that was also a scanner. Eventually our entertainment will be streamed and cable/satellite could be a thing of the past.
These days where I live you can shop around your energy plans. I also cook a lot more these days, sometimes doubling up and freezing meals so I can take advantage of buying some items in bulk at places like Costco. Small steps to take that all add up.
Get creative, think outside the box and start putting it away for that eventual rainy day.
suddenlysinglewomen 
Totally agree with checking prices of various purchases. When I save money I go Cha….ching!!Great post.