A recent survey by financial iste bankrate.com finds that majority of Americans don't have enough money to cover a $500 emergency.

If you want to start saving for 2016, financial expert Tony Anchukaitis says you have to make some big changes.

If you can't max out your 401K contributions at work, at least put in enough money to get your company match. If not, you're walking away from free money.

Anchukaitis also suggests looking into a health savings account, which is a tax-advantaged medical savings account.

He also recommends using your debit card instead of a credit card and setting up a savings account at a bank the next town over so many isn't as easily accessible.