Saving is something that we don't learn naturally. It actually takes a lot of documentation to make saving a routine habit.

Inside, I list my process of identifying and documenting all of your expenses on a spreadsheet.

Then, over time, you reduce or eliminate these expenses and turn them into payments to your savings accounts.

It's the same money, but it goes to different places. Eventually, you will force yourself to save significant amounts of money. I used this technique to go from -$77,000 to +$290,000. Good Luck!