Answer: Start small, and slowly increase the amount you save. Whether you decide to use direct deposit, automated transfers, or manually write out a check each month, start with a small amount to get used to the idea. Elect to have 1% of your pay diverted to savings, or move $25 a paycheck to your online savings account
Independent states unified under a weak central government would generally be part of a "confederate government," but of course the specific weakness of the central government can vary greatly.
