You’re faced with a daunting task—if you focus on the total. But a total is made up of smaller parts, and those are chunks that you can reasonably achieve each month. Some people, for example, might start with a goal of $100 a month—that’s as little as $3 to $4 a day, but saving $100 a month would bring your reserve to $1,200 after a year. Bank of America clients can use the Spending & Budgeting tool for help spotting opportunities to save.

Everyday savings can add up. You could carpool or use public transportation to save on gas, bring your lunch instead of buying it or cancel that streaming service you don’t watch anymore. Calculate how much you are saving each month from your daily change, and capture that amount by putting it in your emergency fund.

The key is to identify a specific expense to reduce, which is more effective than making a general resolution to “save money.” You can change your overall behavior—if you start small and specific.

An easy way to save more consistently is to set up automatic transfers from your checking to your savings account. Consider coordinating your automatic transfers with your payday—if you have direct deposit at work, you could have a percentage of your paycheck go directly into your emergency savings account each pay period. Bank of America can help you set up your own automatic transfers.

If you’re struggling to pay down debt, saving might be the last thing on your mind. And if your debt carries high interest rates—like credit cards—it might make sense to aggressively pay down balances first. But if your rates and balances are lower and more manageable, you can work on both goals at the same time: Consider allotting funds to both debt and savings each month.

Emergency funds must be available when you need them. That means not locking them up in accounts that charge you to access your money—or keeping them in an account you’ll be tempted to tap for everyday expenses. Consider creating a separate, interest-bearing, FDIC-insured savings or money market account.

Don’t stop once you’ve hit your initial savings target. Steadily increase your savings goals until you have put aside enough money to cover your expenses for six to nine months—a significant buffer against unexpected emergencies. And with that financial foundation in place, you can apply your strong savings habits to new goals, such as the down payment on a car, retirement or even your next vacation.