Is saving money hard for you?
Do you get in the way of your own money?
For some of us, the biggest obstacle to saving money each month is ourselves. If this is part of the reason why you can’t seem to save any money, think of ideas that create barriers between you and easy access to your money. Keep your money safe from yourself.
- Remove access to your savings account from your bank card and online banking. If you have to go into the bank to get the money out, you will be far less likely to spend it.
- If you live with a partner, and your partner is better at saving than you are, maybe give them control of your savings. This will make it harder for you to spend your money.
- Invest your money in an investment or with a company that you have to contact and request a withdrawal from. It is usually not a fast process, may take a few days. This will give you more time to sit with the thought about your decision to spend the money. Maybe by the time you get the money, you will decide that you shouldn’t spend the money, then you can put it back where it belongs.
Although saving our money and keeping it safe from reckless spending is always good, we are human and need a little extra for small spontaneous purchases. While saving your money from yourself, you can also have a little side money to use for small weak moments. Keep a change jar and every time it fills up take that money and use it for whatever you’ve been craving to spend on or stick it in your savings every once in a while. Learn how to be disciplined with your money and savings. Be Smart.
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