When it comes to saving, it seems there is always an excuse.  There is always a reason to delay.

“I’m too old.”  ”I’m too young.”

“I don’t earn enough.”  ”I will earn more in the future.”

“I have too many monthly expenses, I can’t right now.”

These are excuses and they do not tally with reality.

Saving is a state of mind.  It is a personal contract you form with yourself and your family.  Don’t breach it.

Lifestyles need to be adjusted to fit a savings plan, not the other way around.  Make a commitment to modify your mindset.

When you stop spending, you save.