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What would you do with an extra $300 each month? Right now, more than 15 million Americans are in the “sweet spot” to refinance their mortgage and save an average of $300 per month. That adds up to more than $4.5 billion (with a “B”) that homeowners could save.

Saving money is everyone’s goal, but how can we do that? Costs add up fast, and it can seem like setting money aside is a dream. But even the smallest amount can lead to big rewards. Here are four easy steps you can take to start putting money aside into your savings.

With the calendar flipping from July to August, school is just around the corner. That also means it’s time for back-to-school shopping. It is now its own shopping season, behind just Christmas in terms of family expenditures, according to the National Retail Federation.

In June and July, it’s a good idea to check your yearly financial plan and see how you’re doing. By taking a look at what you’re spending and what you’re saving, you can get a better idea of whether you’re on track to meet your financial goals at the end of the year.

The market for existing homes is growing tighter so you may be looking to acquire land to build rather than buy for your next space. Making your dream a reality is possible, but understanding how to buy land can save you wasted time, heartache and even money.