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Saving money takes time, and it involves more than just a well-planned budget and discipline. Monthly obligations tend to fluctuate throughout the year, and unexpected expenses can quickly knock people off track. While most financial advice is forward-looking, it’s critical to look back at your plan and evaluate what worked and what didn’t. Keeping your budget fluid and constantly looking for areas of improvement will ensure you’re saving as efficiently as possible.

We’ll provide some tips for looking back at your budget and changing things that didn’t work going forward. Whether you’re just starting to save or nearing retirement, being able to analyze and fix your spending habits will quickly pay off.

Read the full article in the Finances FYI section of The Seattle Times, sponsored by 1st Security Bank.