!. Look at all banks in your area and question fees and I am sure you can find one that will offer a free or very low checking and savings for free with probably direct deposit
2. Figure out what your bills are and make a budget that you can live with so that you aren’t suffering with out too much but living with in your means without charging things on credit
3. Be sure to include money to put into your savings in your budget each time you are being paid.
4. If you find you spent less of your budget than you planned for, then move the money into your savings immediately.
Results…. You will find that you will save more than you know…. When you have enough research putting the money into a CD where it can grow in interest as well, you also want to call around to the different bank for rates as well because they will offer different specials and deals for the CD’s especially for new money. This is called your money making money…