DEAR HARRIETTE: I have a hard time saving any money. I work two minimum-wage jobs, and it’s not enough. I am the main one providing for my mama and my siblings. My mama was injured a few years ago, and she needs my help. My siblings range in age from 14 to 24. I know I should save for the future, but right now I hardly make enough to feed the family every week. What can I do to make things better? -- Need to Save, Milwaukee
DEAR NEED TO SAVE: I recently spoke with a financial planner, who explained that even in the worst circumstances, you should do your best to take 10 percent off of each check and put it in savings. Even when this seems impossible, she suggested that it is essential and worth it in the long run. When you are faced with what seems like insurmountable bills, get creative. What meals can you prepare that cost less? What can anyone else in the household do to bring in extra income? Talk to your family as a group, and brainstorm ways in which each person can help. Your siblings can mow lawns, clean houses, handle a paper route and other random jobs. You must encourage them all to take on a role that will help defray the expenses.