FIRST RULE.

PAY YOURSELF FIRST. This is the first rule in personal finance. In preparing your spending plan, make savings an expense category, with a set amount that you pay to yourself monthly when you pay your bills. Don’t plan your savings around what’s left over when you paid everything else. Chances are, there won’t be anything there.

If you are in your twenties or thirties, give yourself the biggest gift you can by paying yourself first with every salary. Treat yourself to secure a retirement – one where you’ll be able to afford to buy yourself someday. 


This is the one thing you can do right now. The most painless way to do that is to make it automatic: deposit an amount directly to your account right after you received your salary then get busy with your other bills and you wont even see the money you're putting away. Out of sight, out of mind, IT WORKS!