If money was no object, how would you spend your time? If you aren’t already doing those things, why aren’t you? Is it a matter of money? Identifying what is really important to you will help you actually get to have/do those things. If you know what you are saving for – the ability to “retire” and spend your time doing whatever you really want to do – it becomes easier to save money. The main reason most people aren’t happy is that they trade what they really want for what they want right now. Figure out what $1,000 dollars saved means for retirement. If you invested 100 dollars for 20 years and earned an average of 6% a year, it would grow to over $3,200 dollars. What could you do with that money

Next time: Part 4 – Use budgeting software