Building a savings reserve is one of the best things you can do for your long-term financial health, and the beginning of a new year is a great time to get started — or to start saving more.

If your New Year’s resolutions include growing or starting your savings, then you’re already ahead of the pack! Consider following these strategies to build your reserve:

Set up auto-deposit.

Sign up to have part of your paycheck automatically deposited into a savings account. It's easy, convenient and guarantees savings growth. If you’re not sure how much to save, consider setting aside 10% of your income. It may seem like a lot, but what would happen if a cutback at work resulted in fewer hours and a 10% reduction in your income? You would likely make the necessary adjustments in your spending to cover your basic needs.

Pay off debt.

Accruing interest can send you deeper into debt. Alleviate the weight on your wallet and mind by making it a priority to pay off such debt.

Think security, not style.

Buying something can bring you immediate pleasure but in the long run, not worrying about retirement may bring you more. Buying a little bit less and saving a little more may, in the long run, be worth the trade-off.

Leave your money to grow.

Borrowing from your 401(k) is another savings culprit. Even though you pay the money back with interest, you may have lost out on higher returns. And you're paying yourself back with after-tax dollars.

Change a bad habit.

Do you frequently get money from out-of-network ATMs? If so, you're needlessly losing money. Starion customers can use MoneyPass ATMs anywhere in the nation and avoid a surcharge. Visit or download their mobile app to find the closest ATM.

In the end, diligence with your spending and thoughtfulness with your saving will make the difference in your personal assets. These simple strategies can help you get more out of your budget and end the year with more money stowed away than when you started.