Saving money is not easy for everyone. If you’re having trouble keeping your money in the bank, then here are some helpful suggestions that you might want to follow:
First and foremost, you have to find out the root of the problem. What is it that keeps you from saving money? Is it the shopping sprees? Are you funding a costly hobby? Maybe you really don’t have a budget. Finding out the cause of the problem will help you take more definitive steps to solve it.
Create goals. For example, set an amount which you would like to save in a month. Work consciously towards saving this amount. Everytime you want to spend needlessly, just remember this goal and you’ll have second thoughts spending.
If you can’t save when you get your paycheck, why not use automatic withdrawals from your payroll to your personal account? You can have this arranged with the HR department of your company and your bank. This way, part of your paycheck gets automatically saved.
If you really can’t save, no matter what you do, perhaps you need the help of your partner, a friend, or a close relative. They can remind you of your goal or they can even be your financial planner. Having someone to share the “burden” will keep your problem in check.