Many people feel overwhelmed about how to save money. While spending money is something we all can do very well, saving money needs careful thoughts, planning, efforts, and some changes in our habits. Not that many people find this exciting. About 65% of Americans save very little money or nothing at all. About 1 in 5 Americans or 20% of American people are not saving any money from their annual income. Some people think it needs a lot of sacrifice to come up with some extra money to save. But in reality, saving money doesn’t always need sacrifices. More than sacrifices, it needs understanding of your finances and a little…