At one time or another, you've undoubtedly struggled to spend money wisely or save it accordingly.
If you've been unsuccessful on both counts, there might not be a clear or easy answer as to why you have the best intention to put money aside but simply can't get ahead or climb out of the proverbial hole when it comes to debt.
One theory is that you're either trying too hard to save or not trying hard enough. The former would suggest that you've paired down your budget too much, starving and depriving yourself of enjoying even a modicum of your money, thus prompting you to curb your spending but, in turn, struggle psychological to do so.
Trying too hard also could translate into paying too much attention to the bigger items that you're paying for, like your car or house, and letting the little things slide. Truthfully, those smaller items add up quickly and could translate into trouble at some point.
Figure out after about 30 days just how much you're spending on those so called tiny lunches three or four days a week or that trip to Starbucks that costs you $3 each time you go. Being mindful of the minute purchases might be the difference between saving a few thousand dollars per year and filling your food or coffee habits, respectively.
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