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The Secret of How to Build a Cash Surplus

If you had saved 10% of your income since you started working, how much money would you have right now?

 

Having a big savings account has many advantages. For example:

• You have the option of getting into activities you enjoy

• You can get out of activities you do not enjoy

• You have more choices of where to live

• Emergencies and potential emergencies are less stressful

• You can help the people you love with their emergencies

• You do not feel trapped by your job

• You can devote more time and money to the activities you love

 

The Problems

Building a surplus of cash for yourself can be very difficult. An immediate need feels more stressful than a future need. Or you earn some money and want to reward yourself.

 

Even if you manage to save some money, you are tempted to spend it. You have an emergency or find something you really want to buy. You promise yourself you'll pay it back to your cash reserve, but you never do.

 

Saving money takes a lot self-discipline. However, even though it is difficult to save money each month, most people can pay their bills.

 

The Secret

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