MONEY MATTERS

Saving is, was and always will be no fun. Saving money doesn’t feel good. Choosing to save almost always means opting for delayed instead of immediate gratification. You can buy a pair of shoes today, or have a nice retirement 20 years from now. You are going to buy the shoes today because the pleasure of getting something today is much greater than the pleasure of getting something good years in the future- even if the reward in the future is bigger.
Visualize your goals
Decide what you want when you retire, a villa or a yacht to sail in the seas or a paid off mortgage. Use your friends and family as a way to discipline yourself. Tell them what your goal is, and ask them to remind you if you are about to spend money on something you won’t need.
One reason many middle income families don’t save is that they don’t believe they can come up with big enough sums of money to do it effectively. The fact is, small amounts can be quite effective. Start with your change. It may sound trivial, but we have story after story of people who accumulated hundreds that way, realized they could do it, and worked harder to get more. Then add an automatic transfer from your salary account to a recurring deposit every month.
Finally, recognize that the saving process is actually healing. It makes you feel better- a better person, a better spouse, a better parent- to know that you have something put away for your future

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