Saving

What's in your future?

Saving, I have found, really doesn't work unless it changes your spending behavior. You can set up an auto-deposit that stashes away cash but if you keep on buying things like there's no tomorrow then the difference all ends up on a credit card. Then one day it all comes to a head when you get a hefty bill in the mail. Your own mini stock-market crash and bailout will ensue, and anything you "saved" gets spent on getting back to even. Yet several months later you're back to your old familiar spending ways. 

It's not until that day when when you look into your savings account and see that nothing but $300 stands in between you, your next paycheck, and homelessness, that things actually change. And on that day you wonder, for the first time in a long time, "Wait, how am supposed to eat?" Something will click and your brain will shift gears. You'll find yourself actually taking pleasure in slapping back peanut butter and jelly sandwiches, even on the paydays, because you've made the emotional connection between saving and having something more in life. And that's when the true savings begin.