I hate the savings account because I always end up dipping into it.
I want to put in $25 here, $50 there, etc. into an account that I can't fuckin' touch... even if my life depended on it!
How can I accomplish this
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It's called discipline Kinger, if you dont have the discipline to put money away and not dip into it willy nilly, then dont even try.
To answer your question directly, the best way to save money is not to spend money, a buck here, 2 bucks there, 10 bucks more, it adds up. That doesn't mean you live poor, it means you live smart, get a good deal, dont buy stuff you dont need, and dont blow money trying to impress.
All my life i've heard people bitching about someone with money, saying stuff like "he's got all that money and he's still a cheap bastard". the obvious comment is "how do you think he got all that money"? Thrift is a lifestyle.
Write down your goals on paper. Break down what you are saving the money for and then break down how much you will need to save by month, week, even day.
Then write down a plan of how much you are going to save each period.
For example I put money into an account and buy stock (no commissions) every day. I have a year-long breakdown of what stocks I am going to buy and a calendar each month that shows which stock I am going to buy that day. I also have a breakdown by day of the money goal and the money contributed.
The more you write things down, the more the brain remembers them. Works the same as muscle memory working out.
Lastly as others have said, you have to have the discipline to stick to the plan. Clearly you are lacking in discipline in other areas of your life (your diet) so if you can succeed in one then you can carry that over to another area.
I wish I could have the government send me money monthly like they send you money monthly. Must be easy to save!
I told you what to do, I know you wont/cant do it, but you have your answer. Spend less, earn more, hopefully both. Do you have an IRA, if you dont you have no hope, none. I started putting into an IRA when i was 24.
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