1. I think it’s most important to have solid, unwavering goals in mind in order to stay committed to saving your money. If the goal is to provide a good future for your family, the idea is close to your heart and you certainly will not feel that saving your money now is a sacrifice because you know you are doing it for a longterm benefit. Once you have the right motivation, the path will present itself and you will find a way to save money, even if it seems impossible on your meager income right now.

  2. “Paying ourselves first” is a mantra we live by! That’s why we use a zero-sum budget; it forces us to “pay our savings” as if it were a regular bill. It definitely works!
    Right now we’re busy saving for retirement and our children’s college education. Most of our short-term needs and “wants” are bankrolled out of our everyday earnings.

  3. My mom taught me to save my tickets too. I still spent them, but I was that kid who actually saved enough to get the expensive stuffed animals that cost 2,000-4,000 tickets.

    Sometimes I’d get something small like a Fun-Dip and save the rest; sometimes it all went into the ticket bag. (I kept my tickets in a grocery store bag in the closet.)

    Things like that taught me to enjoy myself a little (and frugally) but to save for the most part.

    We’ve been saving for Tim’s dental implants. Now we’re saving to build up savings once the procedures are done and paid for. And I want to start putting more money into retirement. I know, I know. My goals are too exciting for words.

  4. I love this! Especially your line “the very fabric of which romances are made.” It’s so true. And I agree with all that you’ve said. Money needs a job – more than just being put in a mattress for 40 years. I cannot wait to kill our debt so we can really start squirreling it away for rainy days, travel, and retirement.

  5. I like all three of these categories. Quite honestly, I think about what saving would be like without automated/online banking everything. Right now it’s much more of a seamless process when you put those great habits into place with every “click.” Also – ‘goals need to be confirmed or revised.’ This is SO true. Plans change, life happens, and you may be working towards something that may not be all too relevant any longer. Our main 3 buckets for savings are a house down payment, retirement, and emergency/opportunity fund. I also have “mini” buckets that I mentally separate, but those are more running in the background while we propel those 3 main savings goals.

    • I’m with you on the mini-bucket idea. We definitely have a general “house” category that I try to mentally divide into down-the-road needs like a new roof. I’m not sure those buckets will ever be as full as I want them to be, but it definitely helps to know what you’re saving for.

  6. I have a variety of things that I’m saving for… mostly home renovations and travel… but I’ve made myself a pretty little graph in my journal that I can colour every time I add money to my savings… It’s new for 2016, but I’m hoping that it will help me keep up the saving…

  7. Hi! Got here from a blogger friend’s blog. I save because I have this goal of having financial freedom someday. And of course, to be able to live a better life and share my blessings with loved ones and other people, too. Your posts about money are an inspiration to me. Keep blogging and sharing! 🙂

  8. Clearly defined goals are super-important. Sometimes separate savings accounts help with this mindset–one for vacation, one for retirement, one for gifts, etc. Or you can just have the categories on paper.
    Your post reminds me of Your Money Or Your Life. You’re trading your time to earn money, so the equation becomes: I’m working X hours so I can do Y.
    If Y is important enough, the X becomes easier.

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