And It's Gone?

Some 40% of people in the US live paycheck to paycheck and struggle to save, according to a recent survey from the personal finance site Bankrate.

Money goes fast.

It's easy to spend money without realizing it. Even if you have a budget, it's easy to exceed that amount without realizing it. Overspending is a vice we seldom talk about over drinks with friends. I admit it doesn't make for the most scintillating conversations.

It's all about self-care.

You should make it a priority to pay yourself first. Instead of spending money on things you want, put that money aside. You can do this by setting up an automatic deposit into your savings account or putting the money in a separate checking account where you won't see it. You may think this means you'll have less cash to spend on other things, but over time it will add up and help you save more money.

Make a new money friend.

I would like to introduce Qube Money  Set up Qubes (the new age cash envelopes) for your expenses and combine them with automatic deposits into your savings account. The forced allocation of funds for every purchase is intended to help you form smarter spending habits. That $18 craft beer at the end of the month may finally look like a bad date idea when you're staring at pennies remaining in your Entertainment Qube. Supercharge your savings habit by linking your Qube card with Acorns and investing your spare change.

The most important thing.

You deserve to be able to relax and enjoy yourself, so don't forget about experiences--like going on vacation to your dream destination(s). Hopefully, those destinations don't have bars with $18 craft beers to tempt you again.  

Disclosure: I invested in Qube Money's Wefunder Campaign. No, it was not a YOLO sum.