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How To Cultivate A Mind For Saving Money

How many people do you know who have tried to save money or build their savings, only to end up in the exact same financial position five months – or even five years later? I can bet they all did everything they thought possible to pinch pennies and live below their means, right?

Yet, after so many sacrifices, that savings account was still barren and dry… The worst part is the fact that their efforts probably resulted in undue stress, may even have caused damage to personal and professional relationships, and left well-meaning people as drained and depleted as those savings accounts - sometimes to a catastrophic extent.

This downward spiral process is not uncommon. In fact, the very same thing often occurs with people who attempt to lose weight by adhering to some kind of diet. The same answers can be provided to both problems. While the principle is the same, there is no single explanation for this, but many. Luckily, there are just as many solutions! Let us begin.

To make the guide easier for you to follow, I have grouped the most common money saving problems into the following categories: 

•    Attitude
•    Goals
•    Planning
•    Application
•    Tracking results
•    Motivation

Success can not be achieved whenever any one of these aspects is weak. Throughout this part of the guide, you will learn how to set up strong foundations and develop healthy and efficient money saving habits.

Attitude

Over 90% of people fail to save money because they approach the process of saving the wrong way. Instead of focusing on the act of getting their finances together and developing good saving habits, they focus on pinching here and cutting costs there. They focus on the “how much” instead of focusing on the “how.”

Simply adopting a basic shift in attitude can make a world of difference. It is hard to stay motivated and on track with savings goals when you focus all of your attention on “how much” you save, and what things costs you. You easily wind up thinking that things are not going as fast as you’d like… so you decide to cut even further.

How long do you think that can last before you get fed up, fall victim to one of those dreaded spending sprees, and zero out your bank account in a matter of hours, sometimes even minutes?

This is where saving money differs from losing weight. You won’t gain 200 pounds overnight, but it is so very easy to deplete all of your hard-earned and saved money in the span of a few moments on a spending binge.

Again, you may already be familiar with this whole process. Maybe you have experienced it yourself, or have seen or heard of someone close to you who has struggled with this major hurdle.

The solution, as discussed above, lies in the way you perceive the whole process of saving money. In the example stated above, saving money is often viewed from the wrong angle - approached with feelings of scarcity in mind, and with the belief that money is a resource that is hard to come by. With this mindset, accumulating money becomes your main focus, almost an obsession!

On the other hand, if you switch your attitude about saving money towards one with feelings of abundance, your chances of success increase tenfold. How would that work? Something like this: Money is everywhere. More money is printed everyday. It changes hands every second.

Money flows… like a stream, and the whole concept of saving money is nothing more than redirecting that flow so that instead of money flowing out of your pocket,  it is flowing into your piggy bank.

You don’t have to sacrifice everything in order to save money. This is something we will discuss a bit later on. For now, the most important thing is that you switch your attitude about saving money - from scarcity to abundance.

Not only will this simple shift transform you into a money magnet, attracting more money everyday, it will also help you to stay motivated and emotionally well-balanced throughout the whole process.

To help you get started, try doing the following exercise twice a day, preferably as you wake up every morning, and before going to bed every night. You will have a more relaxed state of mind at these times of the day:

Close your eyes and get into a comfortable position. Now, repeat the following affirmation, with conviction. It does not work well if you simply read it out loud. You must feel it. Visualize the stream of wealth, whether it’s a stream of flying dollars or a flowing green energy… whatever works for you.

“My world is one of abundance.
Money is printed everyday.
Money changes hands every second.
Money rushes to me in every form and fashion.
Money flows like a stream in front of me and to me.
Money is abundant and is attracted into my life.”

Feel free to adapt this mantra or affirmation to suit your personality and needs, but start doing it today, and keep doing it until you develop a constant feeling of abundance. You can even write your mantra on a sticky note for your desk or to attach to your mirror. The trick is to keep repeating it until it becomes the truth. Your truth.

Planning

You’ve probably already heard this before, but it is worth repeating at least one more time in the context of this book: failing to plan is planning to fail. You would be surprised to learn how many people start their money saving journey without having a specific action plan. Maybe you’ve even been guilty of this crime against yourself. The good news is that it’s not too late to get back on track!

First of all, and I know you will groan when you read this, you will have to build a budget and track all of your expenses, down to the penny. This might sound like a huge task, but it’s really not that hard, especially with all the wonders of modern technology. There is plenty of software on the market today that makes budgeting and tracking expenses a piece of cake.

I need to warn you that tracking your expenses will bring about more than a few surprises. It may even be a bit painful as you realize how much you spend every month on entertainment or any certain interests you might have. In order to get a precise view of your current financial situation, you will need to be 100% committed to your goal and completely honest with yourself. Do not cut back on any expenditures you’d normally make just because you know you’re tracking expenses. Just track for now; think later.

To accelerate the budgeting/tracking process, you may want to go with rough estimations at first. You might also choose to get started right now by applying some of the money saving tips given in Section 2 of this book.

That’s fine, even suggested. I just do not want you to get stuck in “analysis paralysis” and never take action. Please keep in mind that planning is the key to your long-term success. Do not leave your success to depend on rough estimations. Start taking action, but also remember to take some time to fine-tune your plan as you go.

After a while, a month or better yet, three months, you will have your spending habits laid out on paper. Now, it is the time to write down a specific action plan that will allow you to achieve your financial dream. How does one accomplish that? The first step is goal setting.

Goal Setting

Another reason why so many people fail to succeed is because they have no set, defined goals. Setting goals involves a lot more than simply sitting at the table one day and saying to yourself: “I want to save money.” That statement is an intention, not a goal.

Studies show that a well-formulated goal, written down on paper, has over a 200% greater chance of success than a poorly stated or non-written goal. Can you really afford not to use this simple tool to your advantage?

You will learn how to effectively set goals in a bit. First, though, we have some work to do on removing some common misconceptions with regard to goal setting. Let’s start with some definitions:

Mission: I know, this sounds serious, potentially life-threatening, and even exciting (thanks to modern espionage movies), but a mission for our purposes is really this: the larger, more generalized goal describing the deeper meaning behind any action or set of actions. A mission is a long-term, sometimes even lifelong, goal that will only be subject to change under rare occasions.

Ex. To always have enough money set aside in savings to protect myself and my loved ones from any financial drawbacks that may occur.

Notice how powerful a mission can be. A mission is the big reason WHY you do what you’re doing. Feel free to include as much detail as you can think of in your mission statement. The stronger your emotional link to it, the more it will help you maintain your motivation.

Goal (general): A general goal is more specific than a mission. It sets the background or the path to be taken and emphasizes the general result you are trying to achieve, without getting into any specific details or action plan. A general goal is not set up with a given timeline either.

Ex. To start setting aside at least 10% of my salary to put into a savings account, every month.

Notice, this goal is stated a bit more specifically. It provides a quick overview of how you plan to stick to your mission, but doesn’t get into the details. For each mission, there is usually three of these general goals.

Goal (specific): Every specific goal defines one more step towards achievement of your general goal, and ultimately, the fulfillment of your mission. A well-formulated specific goal must clearly state the desired outcome and must be set to be completed within a certain time frame. To be effective, a specific goal must be measurable and not leave room for any confusion. Anyone reading it must be easily able to judge whether the goal has been reached/achieved or not. These goals are updated and changed constantly. Every specific goal should be linked to a general goal.

Ex. I will start putting aside 1$ a day, every day, for the next 30 days, to integrate money saving habits into my life.

As you can see, this goal is a lot more specific. It defines a timeline, clearly states the objective, and notes the conditions under which the objective will be met. There is no limit to the number of specific goals you can have. It is suggested, however, that you always begin small, by using specific goals as small chunks or steps that will bring you closer to your fulfilling your mission. These goals must represent a challenge, while being realistic and achievable. Each of these small successes will also serve to fuel your motivation in the long run. 

Now that you can see the power behind goal setting as a tool to help you achieve your financial dreams, whatever they might be, it is important that you take some time to create a good mission statement, and your general and specific goals. It is important that you write them down and keep them somewhere where they will be easily accessible. It might be a good idea to use a binder or notebook, in which you will also detail your action plan and track your results. I do not recommend using ink pen at this moment; I am guessing that you will come back to them later and probably want to tweak them a bit.

Application

Let’s be honest. Building a plan is the easier part of the money saving process. The real hurdle for most people comes with sticking to that plan. Hopefully, with the attitude adjustment and goal setting tips in the last chapters, you’ll be motivated enough to sustain your new habits, at least for a while.

An interesting fact is that studies have shown that it only takes 28 days to incorporate a new habit into our lives. After doing the same thing for only 28 days in a row is enough to ensure you will develop the habit of doing it for the rest of your life. The same goes to losing habits as well. Only 28 days is all it takes, but sadly (and we see it every new year), resolutions are often dropped after only a few days. Stick to it, and you will be greatly rewarded!

Things can still go awry at this point. This is where it can become ugly in some cases. Why? Major problems seem to stem from years of bad education with regard to money. The scarcity mindset is another major flaw that can put a wrench in many people’s action plans.

Do you remember what was said in the first chapter about attitude? We live in a world of abundance. There is enough of everything. You do not have to sacrifice anything to be happy.

Now, take another look at your plan. Had you decided you’d cut your spending from the biggest expense all the way down to the smallest? Had you said goodbye to going to the movies and dining out with friends? If so, you’re lucky you received this guide in time to do some damage control!

Why would cutting back be bad, you ask? Because it is exactly that kind of thinking that indicates the scarcity mindset at work. Focusing on numbers alone, not on the benefits. I’m not implying that you shouldn’t look at decreasing your biggest expenses first, but cost cutting alone shouldn’t be the basis of your action plan. There are, in fact, a few places where you shouldn’t cut back. Put simply, if the idea of cutting back in a particular area makes you cringe, don’t do it.

We all have needs and desires. One shouldn’t feel ashamed about fulfilling them. It takes an amazingly huge amount of motivation to abandon old habits, or cut out certain things that makes us feel good.

Now, let’s look again at your list of expenses. There are probably only a few places left where you wouldn’t mind cutting back, especially if you need to decide on them with a partner or whole family in mind. These are the places where a more aggressive strategy might work just fine.

For the rest of the items, think in terms of trading off instead of reducing expenditures. How can you keep your needs or desires fulfilled, and do it without having to hinder either your physical or emotional wellbeing?

As an example, I’m an avid coffee fan. No milk, no sugar. I like my coffee strong, and I love the smell of it brewing. I could spend days sitting at the table in a coffee shop waiting for my coffee.


When I decided to start my journey to a more thrifty, penny-wise way of life, I chose to trade off instead of simply cutting out my coffee craving expenses. How did I do that? I went out and bought a discounted espresso brewer.

Now, there’s nothing I enjoy more than waking up and starting my day by reading the newspaper while drinking a cup of espresso coffee. The best part? For the cost of what I used to spend on coffees in one month, I bought my very own espresso machine. Every morning I now wake up to the wondrous smell of coffee, for only a few bucks a month. No driving involved, no gasoline cost… I don’t even have to tip myself.

If you’re an avid reader of magazines, you’re probably not alone. Try getting friends or a co-worker to share theirs with you once they’ve read them. Another idea? You could both save money by splitting magazine purchases half-and-half and sharing them. You can pool with even more people if you like. Just get creative.

Finding trade offs should be fun. Try to make a game out of it. Most importantly, get everyone you know involved. They might be able to provide exactly what you need. If not, at least they’ll be able to offer you some support and encouragement.

Okay, now it is time for you to go back to your plans and rework your specific goals considering this trade-off strategy.

Tracking Your Results

Without measurable, tangible results, no matter how strong one’s motivation is, it will fade pretty quickly. This is one of the main reasons why setting small specific goals is so important. Successes, even small ones, serve to maintain your level of motivation and commitment to goals.

Tracking your results factors in the importance of learning to manage your money more efficiently. Why bother to save money if you burn right through it the minute you save it? If you want to start saving money here and there so you have more available to spend on other aspects of your life, it is very important that you read the next chapters.

In order to protect yourself from the money sponge that seems to drain our savings, it is important to develop the following habits:

Pay yourself first. This is important. At the start of every month, or each time you receive a paycheck, set aside whatever amount you choose to save, put it aside in an account, and leave it there. Do not use these funds to pay your bills.

Do not use this money for entertainment; leave it in the account. Designate those funds as ‘not even for emergencies,’ as you may notice that, once you begin saving, the number of “emergencies” in your life somehow seems to increase.

For every penny saved or additional income earned, place it in your savings account. Don’t buy more of anything simply because it’s on sale or because you saved money on your last purchase. Set those extra funds aside and watch your savings account grow. Even if it’s a mere dollar a day at first, it’s worth it. You’ll see why soon.

When you go shopping, try carrying paper money – cash - instead of plastic cards. Bring only the amount you plan to use. You will quickly realize that $60 in cash is a lot harder to part with than $60 on a credit card that you won’t even miss until the end of the month. Also, put any change left over from your cash purchases into your savings account. You’ll be surprised how quickly it can add up.

At the end of every month, pull your bank statements and track your savings account balance’s growth. Also, track your savings sources. How much did you save this month on groceries? Utilities? Compare your results with the list you’ve compiled. Tweak your action plan and adjust it as needed.

Also, track all of your month’s income. Divide your total amount by your monthly savings. Once you’ve got that number, multiply it by one hundred. This will give you a percentage, showing you how much of your total income you’ve been able to save.

Get in touch with your feelings. Do any of the tradeoffs you’ve chosen leave you with a sour feeling? If so, ditch those. Find something else, another option. Your plan is always evolving, just as your needs and desires continue to evolve. Taking you back to my coffee example, I still apply it to my life today, but there are other areas where I simply have no need to keep entertaining tradeoffs.

Timewise, they’re not worth it for me anymore. As my situation evolved, and so will yours, my time became more valuable spent working on investments than saving a few dollars. But I would have never got where I am if I had not made these trade-offs at first.

Motivation

In the past chapters you’ve seen how a lot of factors can influence your motivation to save. Motivation is one of the most important factors in the success of any long-term commitment.

We’ve just shown you how to track your results in the last chapter. Still, simply sitting there and watching your bank account grow has nothing sexy about it. In fact, I must say it is quite a boring thing to do.

The real reason we all want to save money is so that we can enjoy better, more fulfilling lives. Some people will want to set money aside for their retirement, some for expensive projects, some simply to have something extra to fall back on. Others will want to save money simply to be able to afford more and better things.

Because of this, is it important to set up a system that will reward us and enable us to improve our quality of life while simultaneously allowing our savings to grow without being sucked up in daily expenses.

Just as everyone is different, so will be the way you reward yourself. Regardless, it is always good to set aside a certain percentage of your income or a fixed amount each month to put in your savings. This is to be used only as discretionary income for rewarding yourself. Keep this amount in a range that you can easily afford, but one that is still large enough to make a difference and keep you motivated.

Once you’ve decided on how much you will allot each month for your rewards, you will need to write down what your reward will be, when you will allow yourself to have it, and under what conditions.

Maybe you’ll want to reward yourself at the end of each month that you stick to your plan without blowing your budget. Maybe you’ll want to reward yourself once for every time you achieve one of your smaller, specific goals.

You’ll find it is now possible for you to start enjoying the whole process of saving money. If you want to save money to afford a bigger DVD collection, why not allow yourself to buy a new DVD each week you meet your saving goals. If you have been waiting to redecorate your home, you might want to buy a can of paint or a new set of drapes as your reward. If you’ve been wanting to grow your income, invest part of it.

Although you are free to use this reward money the way you choose, I really do suggest that you use it to get ahead of the game, i.e. invest part of this money or buy more books on a topic that will help you live a better life. It’s easy to fall for the latest trend, but refer to your mission statement as often as possible and ask yourself: Is this reward in sync with my efforts and the whole mission I’ve chosen for myself?

If you’ve ever felt like you had to go without or “give up” on things you like in order to save money, you will now realize that it isn’t necessary to give up anything at all. You’re simply using those things you enjoy most as rewards which motivate you to reach your financial goals. Meanwhile, you are not blowing your budget or spending your hard-saved money.

This concludes the whole Saving Habits Makeover. I really hope you’ve enjoyed it, and invite you to move on to Section Two of this guide. Here, you will find over one hundred tips for saving money, ways you can start saving by implementing in your life right now, today!

End of Special Report

Warmest Regards,

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