Why is saving money so hard?

Why is saving money so hard?

Why is saving money so hard?


I know you want to save money. Really, I do too. How could anyone live without them? But here’s the thing — saving money is hard. And it doesn’t have to be if you know how and why it’s hard.

Saving money is a challenge for many of us. We’re bombarded by ads for debt consolidation, credit cards, and other methods of quickly acquiring new stuff. There are even websites promoting the ‘secret’ to being rich . . . by spending less than you earn!

Why is saving money so hard?

There is a big difference between saving money and spending it.

When you save, it’s not about how much money you make or don’t make. It’s about whether you have the discipline to keep your savings in a bank or safe. And that’s what makes it hard.

If you have a lot of debt, I’m sure it’s easy to spend more than you earn. That’s because all your bills are paid by someone else — Social Security, a disability check, etc. And those people who pay your bills are happy to do so because they get paid back over time through taxes. But if you don’t save any money at all, then when those bills come due, there’s no one there to pay them for you!

Saving money is hard. As a society, we’ve gotten really good at spending it — and that’s not going to change anytime soon.

It’s easy to blame our inability to save on the fact that we’re living in such an expensive place, but the truth is that the real problem is us. We have this idea that saving money is something we should do, but most of us just don’t know how.

We spend so much time paying for stuff (or worrying about whether we’re spending enough) that it’s easy to forget there are other ways of getting value from our money besides buying stuff. However, by learning new habits and skills around spending and saving, we’ll be able to get more out of every dollar we spend — and not just on major purchases like cars or houses, or vacations.

I’ve been thinking a lot about this lately.

I’ve been thinking a lot about saving money, and I think it’s because I’ve been spending more than I’m making. It’s hard to know how much you’re spending, but it’s even harder when all your money goes into one place, and that place is “my savings account.”

Saving money is hard because the more you save, the less you have for everything else. This makes sense — if you save more than you spend, then you’ll have less to spend on things like food and rent and stuff. And if you don’t spend enough on food and rent (or whatever), then even though your savings account is getting bigger, it won’t be enough to live on.

But I think there’s another reason why saving money is so hard: it’s not just that we’re using less of our income than we used to; it’s also that we don’t trust ourselves with our own money. We might have given up control over our finances long ago — maybe by going through student loans or credit cards or other debt — but now that we’re adults we still feel like children who can’t stand up for themselves.


Perhaps you’re looking for how to make your money last longer, or you’re still learning the ropes of financial management. Whatever the case, figuring out how to save money is a valuable skill—and it’s one that takes time to master.

I hope that you found this list to be useful, even if it’s just to begin a conversation in the comments. There are plenty of options out there, and though it can be hard, I believe that pinching pennies can bring greater satisfaction than buying more stuff we don’t really need.

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