If you want to improve your financial situation, you have two options: hope to win the lottery or get busy. Here’s a way to start saving. Not easy, perhaps, requiring sacrifices, definitely, but ask David CarliI am a macroeconomic and financial analyst with over 30 years’ experience, including two years as a fund manager. I specialise in currencies and commodities, and I am the author of several successful books on trading, macroeconomics, and financial markets.