10 Expert-Approved, Low-Lift Tips To Save $ For Big Life Events 

Now, the challenge is how to get started systematically socking away what you need to achieve your goal. 

If you can't save that much, anything beats zero. "Don't be discouraged if you can only save a small amount at first. The key is consistency. Think of it as planting a seed—it starts small, but with regular care, it grows into a mighty tree," says James Allen, a certified financial planner and founder of Billpin.com.

Make saving easy on yourself! If your money doesn't hit your hand, temptation doesn't have a chance. Set up automatic transfers from your checking account to your savings account. You can also work with your payroll department to have a certain percentage of money from your paycheck deposited into your bank account. You won't miss what you don't see.

If you're going to save you need to be clear about what you have coming in and going out. This will let you know how much you have to work with. If you find that you don't have the funds to save as much as you would like, go through your expenses, and see what costs you can eliminate or reduce. Create a budget that includes your savings goal. Once you have a budget you know what you have to do to get where you want to go.

Another idea: You could have extra cash lying around in your garage or attic. Are there clothes and other items you might be able to sell online or elsewhere? Put that money in your stash. If you get a bonus or a tax refund or any pleasant monetary surprises, a portion of it can go toward your goal.

"Work together as a family to save for it. Have everyone, even the kids, contribute a share of their income toward the purchase," says Martin. However, do make sure to give the kids input in your final purchase decision if they're putting money on the line, she adds.

Keep motivated by filling your mind with thoughts about the end goal and celebrate small wins along the way. Not only will this feel good, but it'll help you become more confident in your financial journey. 

"We're always more motivated to achieve our goals when we know someone is watching and cheering us on. Find a friend, family member, or partner that's also saving for something and keep each other accountable. Go on regular 'money walks' to catch up on your savings goals while enjoying some fresh air together," says Gillian Dewar, chief financial officer of Crediful, a personal finance site.

One way to stay on track is to monitor your progress. If you see you're moving in the right direction you'll feel good, and if you're not, take steps to get where you need to be. Use tools like spreadsheets, mobile apps, or online trackers to see how close you're getting toward achieving the milestone event.

Sticking your money under your mattress isn't ideal. Explore options for high-yield savings accounts or other investment vehicles that offer better interest rates. "Maximizing your earnings on savings can significantly accelerate your progress," says Jon Morgan, CEO of Venture Smarter, a website that is a resource of financial and other information for entrepreneurs.

Remember, slow, and steady can win the race too.