Let’s admit it; we are all future savvy. Whether we want to admit it to ourselves or not, we want a secured future– a future wherein we do not need to worry about what to eat, what to wear, where to live, and how to live. We need to be financially stable to do the things that we want to do and live the life we want to live without getting anxious about our resources. For us to achieve this dreamy picture of our future, SAVING MONEY could be an intimidating word. But if we are going to look at a realistic point of view of living what you’re dreaming, we need to get straight to the point.
We have heard a lot of tips, do’s and don’ts when it comes to saving, starting businesses, investing in stocks, opening a savings account, etc. But actually, the answer is just within ourselves. How to have discipline when it comes to SAVING MONEY? And most importantly, how do we discipline ourselves into saving Money consistently?
Making it a Habit
To form a habit, some say you need to do something for 21 days consistently. Some argue that you need to do it for 66 days. If you want to have a toned body, you need to form a habit of doing your exercise or workout consistently for 21-66 days. If you’re going to have the habit of becoming punctual in your workplace, you need to avoid going late every day for you to adopt punctuality. Nothing is formed in an instant. Each goal or habit that we want to have started with little acts that should happen regularly.
It’s the same with Saving Money; no matter how big or small the amount is, we should save regularly. If we do not save the little that we have, how are we going to save the more significant amounts that we are going to get? According to one quote, “Motivation is what gets you started; HABIT is what keeps you going.” With only motivation, we will be stuck in starting saving over and over again. But with good habits, we are not only in for a good start but for a strong finish.
Matter of Decision
If we want to save and get that dream car, dream house, and dream life, it will also be a matter of decision. One of the biggest mistakes that we often commit when saving is having bad decisions when it comes to SPENDING. The opposite of SAVING is SPENDING. The reason why we don’t get to save that much is that we spend too much. Whenever we see something good or something on sale, even when we don’t need those things, we end up buying them.
We all love shopping! It feels good when we spend on ourselves and feel rewarded whenever we buy that expensive makeup or that branded dress or that new gadget or that delicious food. We trade these temporary pleasures for permanent indulgences. Whenever we are being tempted to buy wants over needs, we always need to DECIDE in the long run. We should always look at the bigger picture and ask ourselves if we are investing in temporary things or permanent things. Decide with an eye for the future. I am not saying that spoiling yourself is a bad thing. But making little changes or adjustments today can make a massive difference in the future.
Maintain a Method
We can search for different kinds of methods of savings. Once we’ve researched and got our way through a particular purpose, we should stick to it and maintain it. There are 365-day challenges or savings methods that have available printables to keep you on track. What’s important is to start with one method and maintain it.
Saving Money could be a lot of work, but if we have the end in mind, this could motivate us when we are getting off track. We should not only stay motivated, but let’s start to make saving a habit, decide what to and what not to spend, and maintain your savings to achieve consistency in savings. Who knows? You might be traveling the world anytime soon, or buying your dream car, or living in your dream house, or starting up your own business. There is no best time to start, but NOW.
Love How to Discipline Yourself into Saving Money Consistently? Check this next saving challenge article.