The 100 envelope challenge is a motivational way to save just over $5,000 in 100 days. This savings tool is a fun way to put extra cash aside effortlessly.

Now that you're warmed up, here's part three in our seven-day playbook to get your finances in top shape - and it's not an easy one. Here are some guidelines to boost your saving rate by income level.

DAYTON — A recent survey by Bankrate reveals that one in four people have no emergency savings, while nearly half of those who do have savings find it insufficient to cover three months of expenses.