Financial experts say you need to set up an emergency fund in case you lose your job or get an unexpected large bill.

The key is to start. Here's how:

1. Choose a goal. Saving for a new car or a new roof keeps you at it.

2. Pay off credit cards and other debt.

3. Start small. Slowly save as much as one paycheck at first, then add to it as your paycheck grows.

The folks at your credit union have experience helping people build savings, so ask them for help.