Freelance writer and Business Insider contributor Rebecca Chamaa and her husband had ambitious savings goals when they first got married.<br />On the other hand, they weren't quite sure how to go about it. Should they save a fixed amount of income each month, or a percentage?<br />If you have an employer-matched 401(k), Chamaa says it makes sense to at least contribute the same percentage. Otherwise, you're losing money!<br />Also, live below your means. As your income rises, so will your savings. And if you pay off your debt, you can always increase your percentage, too.<br />Same with bonuses. If your income fluctuates, save or invest what's left over after your bills are paid!
