Saving Money is a Stated Objective
Saving money is a stated objective for most Americans. The conversations about money discuss debt, bad credit, and an occasional remorseful story about money wasted. Most people will tell you that they need to do a better job of saving and they wish they had more saved. If saving money was a real objective for Americans, we’d have more saved.
The value of saving is not etched into the soul of people. Having a lucrative job and taking home lots of money should be adequate to bill a large savings account. Yet, people will buy more expensive cars and houses to show their success rather than increase their savings account. Real savers have budgets and have acquired good spending habits.
Saving is a skill that has to be learned. For example, when was the last time you told yourself you didn't have the money to buy something when you know you had the money. Buying things on impulse is what creates most of the bad spending habits.
January New Year's resolution could easily be - I want to save $2,000. We could easily stop snacking, buying latte's, pack lunches, and buy our groceries using coupons. But, the reality of setting an objective like this is to make it a goal. To have a saving's objective or reward for making the sacrifices would make it worth changing a few things in our budgets. Most people on the other hand want to have their cake and eat it too. They don't concern themselves with small dreams because a credit card can fix the smaller problems.
Credit card problems would never have been an issue if people used the pay as you go. The money would not have been in their pockets for the expensive latte's and the bad spending habits would never have been created. Finding money to save becomes simpler when you're broke.
Not having money to splurge and buy unnecessary item adjusts bad spending habits immediately. The wittiness of saying I don't have the money becomes a reality. You have no choice but to stop.
We the people of the United States of America are spoiled and live in the "Instant Gratification" world. Every want becomes a need. It takes training that begins when you are a child to help you truly develop good spending habits.
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