"Review every expense that you have and ask yourself, 'Can I eliminate or reduce some of my expenses,' " says Philip Palumbo, founder and CEO of Palumbo Wealth Management. His pet spending peeve: dining out or ordering in. "It can add up quickly," he says. • Pay yourself first. When payday comes, dollars tend to disappear quickly. So put your savings on autopilot. Set up automatic deposits that move money directly from your paycheck to your savings account, says Diahann Lassus, president of Lassus Wherley, part of Peapack Private Wealth Management. "Pay yourself first, before those dollars have a chance to disappear," Lassus says.