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I have found this method to work for saving money: get envelopes and label them with your bills you pay monthly (ie mortgage, light bill, water bill, etc.) and label one envelope Miscellaneous. Each month put the amount you owe on the bill plus $10 in the envelope. Pay the miscellaneous envelope $20. Once you pay all your bills, move the money from the other envelopes to the miscellaneous envelope and watch your money build up!
Believe in yourself. It was hard for met to get motivated to stay on track. Then it hit me like a ton of bricks that I have to be my own motivation. If I do this for ME (not an event, special day or person), I will appreciate it more and stick with it. I'm working on me today so that I can be here tomorrow.
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