The 1% More Savings Calculator

"Increasing your savings by one more percentage point – or even better, another percentage point a year – can add up to big additional savings over time." Check out this helpful calculator from the New York Times which illustrates one of the concepts of Small Steps to Health and Wealth (SSHW) http://njaes.rutgers.edu/sshw/) that small changes in behavior and small increases in savings can add up to large benefits over time. You don't need a big raise in pay to increase your savings rate or debt payoff. So quit kidding yourself that you're going to make large changes in your behavior; start with small sustainable changes to accomplish your goals. See: http://www.nytimes.com/interactive/2010/03/24/your-money/one-pct-more-calculator.html