Start the habit of saving 10 percent of your income and you will see the results!
Honestly, when we look at our daily habits, most of us save in the same way: first we spend money, then we meet our needs, then we fulfill our wishes, and we hope that there is something left over at the end of the month.
The problem is that that surplus almost never exists. This is not because we are undisciplined, but because we naturally adjust our spending to the money we have available.
People with a more stable financial situation usually do the opposite. They do not wait for a surplus; they create it themselves.
As long as the money is visible and accessible, our brains assume that it is okay to spend it. Eventually, saving becomes something we constantly put off.
As soon as money comes in, before we get the chance to spend it, we immediately set a portion aside and withdraw it. Once the money is set aside, we do not consider it money to spend. It is as if there is an invisible barrier, yet strong enough to prevent us from touching it.
It is not because we suddenly become more disciplined, but because the system helps us make better decisions.
Imagine two people with the same income. One saves at the end of the month, which often fails. The other deposits 10% directly into another account with every paycheck.
After a few months, the difference begins to become noticeable. After a few years, the difference can be significant. This is not because the amount is large at the beginning, but because the small habit is repeated over and over again.
And even more importantly: the second person does not have to think about saving every day. After all, the decision has already been made. ***aitik
