Many times I have been short of cash; it’s not until I have set up a forces saving plan though either a mutual fund or bank account savings.
I have the most success if I send the money away to a mutual fund and don’t even think about the month to month dollar amount. It’s a time honored saving method that has resulted in $3500 in one instance and $4100 in another.
Usually I make it a monthly contribution for a goal in mind, but then life happens and I need the cash. I have repeated this process time and time again and now have done the same with the Roth IRA with accumulation of $28,000 over 3 years including some rollover money.
I learned that time honored savings leads to better control of everyday money situations.