start saving online

The older I get, the more concerned I am that I'm not prepared for the future. It seems the more money I make, the more I spend, so I continue to look for ways to save money that won't affect whether or not I'm able to pay my mortgage this month or continue to provide education for my child at a ridiculously expensive pre-school. The bank I work for offers an online savings account, www.cnbbankdirect.com, and it seems they're extremely popular. We've seen a large amount of deposits from all over the country since we launched the site in August, many accounts with $100,000 or more. I'm personally amazed that people have that kind of money to just sit in an account. But thinking about it, I realize the beauty of this account is that you don't have to have huge sums of money to begin a savings habit. It's only $1 to open. $1! I think, well I have $1 and if I set up direct deposit or an automatic transfer just once a month for say $50, that's $600 plus interest I didn't have saved before. I guess what I'm trying to encourage people to do is to start small. The hard part is starting.