Efficiency doesn’t just have a place in the office. Your money can be efficient, too, if you know how to be productive with your income. Personal finance is a tricky subject, of course. Everyone has their own goals—a car, new appliances, pursuing new investments. Similarly, everyone has their own obstacles, ranging from debt to uncertainty regarding the stock market. If you put your mind to it, though, you’ll find that it’s easier than you might think to make your cash work. Tips for Being More Productive with Your Income Start with these eight simple suggestions: 1. Start Saving Early The best time to start saving money is when you’re young and single. The second best time is today. The sooner you’re able to put substantial sums of money away, the more time that money has to grow. If you can establish a retirement fund while you’re still in your twenties, your …