Pay yourself first: how to automate your savings and make them grow
You get paid, cover the usual bills, and at the end of the month you look at whatever’s left to “save.” Most months there isn’t much, and some months there’s nothing. You promise yourself you’ll do better next month, it lasts two weeks, a rough month shows up and the resolution quietly fades without you ever deciding to give up.
The problem isn’t that you earn too little, or spend badly, or lack character. It’s the order. If savings go last in line, they lose to whatever expense shows up first. And if they depend on you deciding to set money aside every single month, they also lose to every bad month.