It's the start of a new year, and for most of us that's a new fiscal year as well as a chronological one. Without getting into fancy software options, tax strategies, or estate planning, let's consider this single change:
Pay Yourself First.
What does this mean? You know you've heard it before, it's not quite a bumper sticker yet (though it could be, I suppose).
When you're simplifying your life, it's easy to get caught up in paying off debt and focusing on the outlay. Pay yourself first is just a reminder to save -- save something now, save something first. Saving money is a new concept for lots of people in our American culture today -- and it can be hard to do.
That's why you pay yourself first. Stash the savings each month, or pay period, first and just don't look at it. Auto-deduct it. Stash it. Find the method that works best for you, but put your future (and your family's) at the top of the budget. And, don't be a snob about the amount. Even the tiny amounts add up over time.
It's important and you're worth it.