No matter how much money they save by careful budgeting, that money will disappear before it gets into a savings program. So if you're like these three you'll need to find a way to solve the problem. One way is to create a spending checklist. Commit to asking yourself these questions before you make a purchase. Another way to solve the problem is to make the saving urge as strong as the spending urge.
Some people do that by choosing a goal that they're willing to save to achieve.
It could be something as simple as a night out with your mate or as expensive as a vacation. Just remember to keep that picture in your mind when the spending urge occurs. In fact, some people even put a reminder in their wallet so they can't help but think about that goal before they make a purchase. Once you actually begin to accumulate some money, you'll want to put it to work for you. In most cases you'll want something that's safe, pays a reasonable return and allows you to add a small amount of money on a regular basis.