You don't have any savings?
The only difference between you and people with savings is they developed a good habit and you haven't --- not yet, anyway.
The secret to saving money successfully is so incredibly simple, you'll find it hard to believe: Just start --- no matter how small the amount. The effect of systematic deposits and compounding of your dividends can be a powerful tool.
All savings plans at Sioux Falls Federal Credit Union are federally insured, have no service fees, and feature a daily dividend calculation -- so your money earns from the first day of deposit.