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Enriching Lives: Why certain habits define top savers

When you think about a friend, family member or co worker that is very good at saving money, you might tend to think how you can emulate that behavior and why you haven’t been able to save money.

For some, saving money isn’t so much about how to do it but what steps they need to take to get to that point. Much like the endeavor that is trying to lose weight, saving money is the same in that a starting point or launching bad is the hardest part.

Once you get started, which includes having a simple budget of expenses versus how much you make (income), you need to get focused and hone in on the habits that those aforementioned friends do on a daily, weekly, monthly basis in order to save consistently and not make budgeting and financial freedom a yo yo effect that goes nowhere.

For example, those with good money habits tend to look at a budget as an ever changing entity, something that can bend, break and twist often and without worrying about what they're losing but rather what they gain.

They’ll dump expenses that the simply can’t justify or that are becoming outrageous and out of hand as far as how much they cost. They’ll take cable television, clothing and other household expenses and implement a system that includes cutting the cord, buying used or taking the time to clip coupons or go online to saving hundreds throughout the course of an entire calendar year.

Furthermore, the habit forming doesn’t stop with how they spend but also how they save. They’ll make it a point to do two things of the automatic ilk: they’ll transfer money from every paycheck into a savings account and they’ll increase their retirement with every yearly, cost of living raise so they aren’t stuck in neutral as far as saving for the moment they stop working.

The real science behind saving money isn’t so much a science at all, but rather the innate ability to pay attention to the little and big picture in totality. Those who are adept at saving money don’t view it as some sort of magic pill or system but rather business as usual in the household.

That mentality only occurred due to the fact that they’ll started and put together a plan with habits that aren’t overly difficult or hard to do but rather seem as routine as brushing your teeth or going to work in the morning.
And when you get to that point, saving is simple.

Easy Does It: Why make saving money so hard?

Millions of Americans are in debt. Less than half of the population has a savings account, with nearly 70% of the masses carrying less than $2,000 in a reserve or emergency fund.

What exactly has gone wrong?

There’s plenty of reasons or excuses that permeate the airwaves when you’re listening or talking to someone who hasn’t saved for, really, their entire life and lives paycheck to paycheck as a result.

They’ll argue that they simply are “barely making it” and that there really isn’t anything they can do to fix it, but rather try to make it one month to the next with the hope that something will change.

That ideology isn’t anything new given the previously referenced numbers and just how little we are able to save. But maybe the problem isn’t the system or that there just isn’t enough money to go around from one week to the next.

Perhaps the issue is how we look at saving money, and that we simply don’t put a price tag on just how valuable and simple it can be.

For those who save well and do it consistently, two elements are ever present: budgeting and cutting expenses. These two elements go hand in hand but you’d be hard pressed to find any semblance of a budget in those who can’t save. They don’t realize what they’re actually spending their money on and instead look at it more along the lines of the system where a bill arrives and they pay it (or in some cases sit on it until the last minute). They aren’t really sure so much what their expenses are but typically have a good idea of how much they make.

That same group, when they finally write down their expenses, are shocked to see that they actually and always are making less then what they spend. This is called working at a deficit and it happens with regularity.

Those who implement that mentality of just getting by are too frightened to look at their expenses or have a budget for two reasons: they don’t want to get rid of anything and they know they are having issues.

Confronting the problem can lead to solving it, but it won’t be a quick turnaround. The trick saving money is learning how to really save and start eliminating what you don’t need and letting your money start to work for you, rather than viewing it as a burden from one paycheck to the next.

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