The act of spending has become effortless. Debit cards, credit cards, online shopping, PayPal, Apple Pay, and money transfer apps like "Venmo" have made it easy to spend money in an instant.

Plus without having to physically hand over your cash or even open up your bank statement, it’s become quite easy to lose sight of how much you are actually spending. There is nothing wrong with getting faxless payday …

Too much traditional savings advice focuses too strictly on removing all of the things an individual might love. Don't drink coffee, don't buy this, don't buy that, etc

Why not consider what motivates you then work around it?

When you cut your budget to save for things you have been longing for, it just creates a possibility of a way better outcome.

As human beings, we like to look forward …