Part Three Establish Accountability
Find someone who is (1) winning with money, (2) not trying to sell you something, and (3) are available to help you and ask them to hold you accountable to your saving goal. I have seen some people go to the extreme length of actually giving the money to the other individual to hold for them because they cannot trust themselves to keep their own hands off of it.
Accountability can also be created by your written spending plan that you prepare every month before the month begins (you do prepare one, right?). This plan helps cement your goals in your mind and helps you connect the fact that if you spend money on unplanned items, you will literally be robbing yourself of your savings goals.
I am married – this means I have built-in accountability. Jenn is a huge saver. She keeps me (the spender) in control. Establish accountability – it works!