Saving

It's tragic that so few people think ahead. About retirement. Or saving for a house. Or saving in general.
People don't want to get out of the "keeping up with the Joneses" mentality. They want the latest and greatest Stuff. The nice car, the huge house, and a yearly vacation.

And most of the people that want these things can't afford it. They don't want to actually spend the time and effort to create a budget and stick to it. And actually save for the items they want.

Instead they spend money on other things which obviously have value to them. Eating out, going to movies, etc.
None of those are bad things, not by far. But so many people are not saving money. In fact, most people (several of my friends included) are in Debt. They think, "Hey I can't wait to have this. I'll use my card." Which for emergencies (that's what an emergency fund is for actually...) is sometimes all you can do. But most of the time, there are ways around it.

Instead of using your card, why not think about saving? Just a little here-and-there. It's not like you have to go and start saving $500 a month. Just start with $20, when you can afford it. After you have some cash saved up, work on setting up a budget. And here's the kicker, stick to your budget. Don't let it be like nearly every year's resolution, make it a change that sticks.

I'm not going to lie, I used to be a spender. New video games, new books, and new movies. It was not a bad thing, not at all. I enjoyed it. But now I enjoy the idea of travel. Or not having to stress out if my bike dies and I have to get a new car/bike. Knowing that if the worst happens and I'll be okay, that's golden. One of the better feelings in the world.