Have specific savings goals, like a down payment or a wedding? To each their own. All of this means that part of me likes taking the moment out of my day, out of my week, to sit down with my finances and set up the transfer myself. You will only eat healthy or work out if you remove as many barriers as possible that keep you from doing those things. But paying my bills online?
Have you fully automated your finances? You will only eat healthy or work out if you remove as many barriers as possible that keep you from doing those things. Sending money to my investment account? Going back to my earlier point about how awesome dishwashers are — so much yes. But I was bad with money for 28 years and I am still trying to un-learn a lot of ingrained money habits and behaviours. I am a huge nerd and I like doing it. Saving money can be a weird combination of boring and hard — at least that is how I felt about saving until recently. Why have I kept everything so…unautomated? Make a designated savings account and automate contributions into those accounts, too. Some are downright amazing. Maintaining control over every bill payment, every transfer into my savings has been a good way to actively participate in putting my financial life back together. Not everybody is well positioned to do that. This point may sound counterintuitive — I suck with money so I do not want to automate. Right now, the only way I have really been able to save for my goals at all is through my side hustles. And side hustle money, my friends, is unpredictable income. That can be a beautiful thing. Have specific savings goals, like a down payment or a wedding? This takes five minutes out of my week. I am fortunate that I can find the money in my budget to build up my emergency fund, finally start funding my retirement, and yes, save up for the fun stuff, too. Automating your finances is the equivalent to that. Set up a biweekly or monthly transfer into your investment account. It has helped me recognize how privileged I am. This may change in the future when my financial habits have improved and I just want to set it and forget it. Tell me why or why not in the comments — I would love to chat! This includes my student loan payment, most of my retirement and TFSA contributions, and saving for ma big goals.
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