The most significant hurdle to saving is simply not getting into the practice of saving.
The simplest way to get into the habit is always to pay yourself first with money directly deposited out of your paycheck or perhaps your checking account straight into an emergency savings account.
You can do this at the same time with some other goals like reducing debt or saving for retirement, not in place of those goals. You will not miss the things you do not see, and putting your savings on cruise control is an excellent way for you to improve the savings habit when unexpected expenses show up and put a dent in whatever you’ve saved. You are merely one paycheck away from starting to renew your savings account balance.
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