Good money management involves planning for the future as well as taking care of today’s financial needs. If you don’t have a savings account, start one. If you already have one, deposit money into it at least once a month. Even if you can only afford $25 or $50 a month, the money will add up over time, providing an important reserve that can come in handy when you least expect it. It also helps to develop the discipline of building good financial habits, and will help increase your net worth over time.