Even if you don't need to save money right now, you might still find yourself in a penny-pinching mood, and you can only benefit by following it. A rainy day is coming soon in the form of an expensive opportunity or unexpected bill. But little efforts over time can yield impressive results, so set aside a coffee can or basket and start dumping your nickels, dimes, and a few dollar bills into it. Get in the habit of cutting back now. You'll be doing yourself a big favor.