OhmsLawn,

Here’s the trick I used when I was young and poor. I worked for cash with an estate liquidator, and I saw the passion some of the customers had for their collectables. I decided to develop that flavor of passion for a collection of $20 bills.

For me, the hardest part of saving money (assuming it’s even a possibility) is avoiding the trap of saving to spend. The savings itself has to become a goal, and that can be really, really boring.

Another tactic I used was to always save double the value of a large planned purchase: if I started with $500 and I wanted a $200 item, I’d save until I had $900 before spending. That way my stack never felt like it was diminishing.

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