To make that grow, have a secret slush fund. Open a new savings account that you can't access with your ATM card. Then ask your bank to automatically deposit $10, $25, $100 - the maximum you won't miss - in your new account every week. Within a few months you'll have some real cash, says Howard S. Dvorkin, M.B.A., C.P.A., president of Consolidated Credit Counseling Services. You'll also realize that you can live on much less money than you thought - and that's the key to escaping the average guy's pathetic check-to-check existence.