Savings is a word that some people just do not want to think about. Most people know they should have one but haven’t figured out how to achieve one. Still others have a philosophy of Y.O.L.O. You only live life once. Well life can feel long when you don’t have the safety net that a savings can provide. Thinking about savings can even make some people feel depressed. But we must look at our finances and prepare ourselves for beyond the right now. Having a savings is a great tool. It takes discipline to get on the right track, manage your finances, and create a savings.

As people, we tend to make the money, but not save it. Sometimes we are making barely enough to cover expenses, so we don’t want to use the money we manage to bring in to increase our savings. However, it is a mindset shift that we have to become accustomed to and actually supports our lifestyles.

There are plenty of reasons that we need to save whether it be for lifestyle goals, business goals, and even retirement goals. In the very least we need an emergency fund to fall back on in times of unforeseen financial hardships. It is not an easy task, but it can be done. The first step is getting started and many don’t do that. Most people can name five reasons why they do not or cannot save, but I challenge you to write down five reasons how having a savings can enhance your life. It can be big or small, but have some savings goals in mind. Let’s get pen paper, phone, or computer so that we can take our life to the top with a savings plan.