In her book “Rich Enough? A Laid-Back Guide for Every Kiwi,” “New Zealand’s Most Trusted Money Expert” Mary Holm points out that there are only three ways to get more money into your savings account: Earn more, save more, and be smarter about your savings. She urges people to start saving now, even if it’s only a little bit. The sooner you begin, regardless how small, the better off you’ll be in the future. But the first place to start with savings and credit cards is high interest debt.