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This weeks finance news:

6 sneaky -- and fairly painless -- ways to build a nest egg
 
If your idea of creating an emergency fund involves scooping up the change that falls 
between the cushions, you could probably use a little extra green for the lean times. 
Rainy days are guaranteed. Rainy day funds aren't. So here are 17 virtually painless 
ways to put aside some money. 

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1. Start your stash 
Get an envelope, cookie jar, coffee can or whatever you like and set aside the same 
amount every week. Whether it's $5 or $20, after a couple of weeks you're going to 
have a nice start on an emergency fund. The trick: don't count it, don't spend it and 
remember to hide it where no one -- including yourself -- will be tempted.
 
2. Tip yourself
You go to lunch and tip the waitress 15 to 20 percent. (Ten if you're a cheapskate.) 
Put an equal amount aside for yourself, and your "tips" will add up quick, says Gary 
Foreman, editor of The Dollar Stretcher, a Web site devoted to living better for less 
"It becomes part of your expenses over time," he says. "And you don't realize how 
quickly it adds up."

If you're a big fast-food fan, put a dollar in your savings jar every time you hit a 
drive-through window.
 
3.  Live one raise behind
Rather than spending that 3 percent cost-of-living raise, bank it.
And the next time you get a raise, increase your disposable income by the amount of 
your last raise. 

"You're always one raise behind," says Foreman. "And it doesn't seem like you're 
depriving yourself compared to your co-workers or friends in a similar stage of life."
 
4. Get cash back
Feel virtuous when you refuse "cash back" from your debit card at the check out? 
Instead, take a small amount -- $1, $2, $5 -- and slip it into your savings jar. At a 
buck here and there, you'll forget about it. But it will quickly grow into a nice 
emergency fund.

5. Become your own bill collector
Just paid off a big debt like a car loan or child's tuition? Keep making the payments 
-- this time to yourself, suggests Barbara O'Neill, a professor of family and consumer 
sciences at Rutgers University.
"It's a chance to ramp up your savings," she says. 

This also works on a smaller scale. If you recently switched phone companies or 
discovered a flat-rate plan that's saving you money every month, put that cash aside 
in your savings jar. Electric or water bill lighter than you expected this month? 
Ditto! 
 
6. Love the IRS
Get a refund this year? You're in good company. Thanks to new tax laws, a lot of 
people will have a little extra money coming their way after April 15. Either put the 
check right in your savings account or cash it and stash it. It's not that you don't 
need it. It's that you'll probably need it more later.

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