Are you sick and tired of not being able to save money each month?

Here's a thread on the 5 thing my wife and I do

1. Automate EVERYTHING (credit card payments, regularly occurring debt payments, savings, investments, etc)

Each month, money comes in from various sources and goes out into the proper savings/investment accounts automatically

We never touch it

2. Set an annual goal and then break it down into monthly & weekly targets

We have an annual saving/investing goal so know exactly how much we have to invest/save every single month which then tells us how much we're allowed to spend

3. Pay yourself 1st

From #2, you should understand that saving/investing should come before spending!

Most people save/invest what they have left over...WRONG

4. Gamify it: Have regular, non-judgmental check ins

We have weekly money dates were we manually track every single spend we've made over the past week and see how we're doing against our weekly/monthly goals

5. Reflect and review

At the end of each month we see where we could improve and we project going forward how we can shift rework things to do better the following month

Lastly, be gentle with yourself and the others involved in this endeavor

Ships can't correct course on a dime, so you likely can't either with age old habits

Make minor adjustments and before you know it, you'll have a pile of savings and will be investing constantly!