Putting money in your savings account cannot be an afterthought.
You know how it goes.
You tell yourself you will save whatever is left over at the end of the week/pay period/month. And, surprise, there is nothing left over.
Sound familiar?
When you make reaching your financial goals a priority you will find that actually reaching your goals becomes easy.
The women who have participated in my Money Mom Academy have learned some very simple, but effective, ways to reach their goals.
One of my favorites, especially if you do not like to budget, is to create six separate accounts. One account each for saving, investing, education, play, giving/tithing, and general expenses.
The general expenses is what most people in North America would call their primary checking account. This is the one your income is deposited into and from which you pay most of your expenses.
The remaining accounts can be savings accounts or you can take the cash out of the bank and keep it in separate envelopes. You will use the cash from these accounts to pay for things that fall into that category.
For example:
Investing is for future you. This would be contributions to your retirement account, the purchase of stocks/bonds/crypto/real estate/etc.
Savings is for saving. However, if you have an emergency and do not have the funds elsewhere to cover the expense you can pull from this account.
Education is for books, college, student loans, and online courses (like the Money Mom Academy 
)
Play is for all those fun little splurges like eating out, massages, your daily coffee, going to the movies, and so on. It could also be bigger purchases like family getaways or theme park admissions.
Giving or tithing is your way of showing you have more than enough and are so abundant that you can pass it on to help others. After all, God will not give you more if you cannot handle what you currently have.
You can add additional accounts if you have specific goals. Common ones include vacation, home down payment, wedding, new car, and college.
The trick to this method is that if the money is not in that account, you do not make the purchase.
It is that simple.
Ideally, you will have 10% going to each of the specific accounts and the remainder going to your primary checking account. But, if you truly cannot do that, just make sure you have an equal amount going to the specific accounts. You are not doing yourself any favors by spending a lot on Play and not saving or investing.
You can learn more about the Money Mom Academy here: https://moneymomacademy.com/?page_id=27
Contact me if you are interested or have any questions and we will have a chat to see if this could be just what you need to change the trajectory of your family’s financial future.