Which of the following is an effective strategy for personal saving?

(1 point
)
Wait until the end of the month and save whatever is left in your
checking account
Save a certain percentage of each paycheck and deposit it
directly into a savings account
Cover all of your wants and needs and save whatever is left over
Take out a payday loan so you can save before you receive your
paycheck

Save a certain percentage of each paycheck and deposit it directly into a savings account.