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Motivate Yourself to Save and Develop a Plan

If you haven’t planned ahead like you need to, it’s never too late. You don’t have to become a recluse, take up basket weaving, or try hang gliding to relieve your troubled mind. Nor should you just work as long as you can and hope for the best or buy a lottery ticket each week. Do yourself a big favor by starting to plan today. Planning means that you protect your future, live comfortably, and know your options.Practically speaking, that means that you may need to motivate yourself to save money. Think of it this way: If you lost $20 down a drain in the road, would you recover? Would your life continue? Would you starve, or would you just have to buy less ice cream and fewer DVDs? How about $100? That’d be a harder hit, but you should still be able to withstand the blow.

If you haven’t thought before about what kinds of uncertainties can sabotage your financial goals or what unexpected opportunities might pop up, now’s the time to start thinking about them. And now’s the time to start saving your money for future contingencies rather than spending on stuff you can do without. The reality of life is that things like ice cream and DVDs are ways to throw your money down the drain. You know they’re fun to have, but think about the overwhelming anxiety that can occur when something bad happens or when you’re financially unprepared for a good opportunity. That anxiety far outweighs the benefits of seeing the latest movie or getting your chocolate fix.