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How To Overcome The Top 3 Excuses For Not Saving Money

by Maddy (spilledpolish)
How To Overcome The Top 3 Excuses For Not Saving Money

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Saving money is a lot harder than it seems. You can continue to work long hours and try your hardest not to go shopping, but bills keep adding up. It seems as much as I try to save money, I somehow end up spending most of it on travel, new technology, or I just go out to eat a lot! On my trip to Bali, I spent way more than I’d like to admit… especially on things before even going on the trip (see my post on the additional costs to travel!)

We all know that saving money is a good thing. It’s not rocket science, we’re aware that saving cash leads to financial stability and all that good stuff. The issue is, most of us have various reasons to explain why we don’t save money. In reality, these reasons are nothing more than excuses! So, let’s have a look at some of the most popular excuses, and how you can overcome them once and for all…

How To Overcome The Top 3 Excuses For Not Saving Money

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I’m Too Young To Start Saving

So many people use their age as an excuse to spend, spend, spend. A lot of us seem to think that being young gives us the freedom to buy what we want and not worry about saving. After all, we have the rest of our lives to earn money and save, right? Wrong. Always save money, regardless of what age you are. In fact, the younger you are, the better. This means you’ll end up saving more money as time goes by, which you’ll be thankful for in the future.

There’s no real way to overcome this excuse other than to simply realize you’re wrong! Cut down on your spending habits, and actually make an effort to save money. You’ll be amazed at how much you can save when you act like an adult!

I Don’t Have Enough Money To Save

I think this excuse speaks for a lot of people out there who’d love to save, but think they don’t have enough money to do so. If this applies to you, then there are two things you can try. The first is to create a budget for yourself. There are loads of platforms and apps out there you can use to create a really strict budget where you only spend what you need. As this YNAB review states, a budgeting tool can help you save more and also get rid of any debt. With a strict budget, you’ll be surprised at how much money you actually have going spare.

The second idea is to try and live a less expensive life. Downsize to a smaller home, rent somewhere that’s cheaper, buy fewer designer clothes. Again, a few changes to your life can free up a lot of money for saving!

I Don’t Have The Time To Save

For some, saving is seen as too much effort. As a result, they simply don’t have the time to sit down and think about saving money. You might put things off and claim you’ll start saving tomorrow, but then not have enough time and forget about it. The truth is, everyone has enough time to save money.

To be honest, you don’t even need to devote much time to it at all. Set up a savings account and a direct debit which deposits money from your bank account into the savings account every month. It’s simple, and you don’t have to do anything after the original set up.

You’ll probably find a few other excuses as well, but these rank as the top three most common. As I’ve proven, there are ways around all of them! Therefore, no more excuse, it’s time to knuckle down and save some money.

How To Overcome The Top 3 Excuses For Not Saving Money

How do you overcome your excuses for not saving money?

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