How to Enjoy Saving

A variety of coins.

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Most people treat saving like a punishment. Something you should do. Something you’ll do later. But here’s the truth:

Saving is not sacrifice. Saving is self-empowerment.

At Little Success Habits, we believe that if you can learn to enjoy saving—truly enjoy it—you unlock a habit that separates the stressed from the secure, and the stuck from the successful.

🧠 1. It Starts with Positive Association

Enjoying saving starts with one thing: what your brain links it to. If saving = lack, restriction, or missing out, you’ll resist it. If saving = power, peace of mind, pride, possibility, you’ll crave it.

This is the real habit under the habit:

The habit of positive emotional association.

You can retrain your brain to link saving with something good:

• Freedom and security

• Progress in your goals

• Self-respect

• Peace of mind

• Being ready to make new choices and take opportunities

  
  

🔓 2. Saving Is the Basis for Opportunity

Here’s what they don’t teach you in school:

The people who have get more opportunities. The people who save get to say yes when others can’t.

Want to start a business? Take time off? Invest in a deal? That’s what savings make possible. It’s not just for emergencies—it’s for expansion.

Every time you save, e.g., using the Habit of 10%, you're telling the world:

“I'm ready for more.”

🔄 3. Automate It So You Can Win Without Willpower

Set up a recurring transfer the moment your paycheck arrives. This makes saving feel effortless and consistent.

Start small. $5, $20, 5%—whatever. The habit of saving matters more than the amount. Have a plan, like the 10-20-70 plan, to allocate 10% of your net income every time you get paid.

And yes: Rename that savings account something inspiring.

• ✨ "Freedom Fund"

• 🧘 "Peace of Mind Money"

• 💼 "Start My Business Fund"

  
  

🛠️ 4. Stack It With Another Habit

You don’t need motivation—you need a trigger. Try this:

• Every time you brew your own coffee at home → transfer $0.50 to savings

• Every time you skip a purchase by using the Habit of Waiting to Spend → “pay” yourself instead

Link it. Repeat it. Watch it grow.

🎯 5. Celebrate It Like You Spent It

Spending comes with dopamine, so give saving the same energy.

• Hit a milestone? Reward yourself with a small treat (intentionally).

Because that’s what this is really about:

Becoming someone who values their future more than a fleeting impulse.

Start associating positive emotions with saving, and you'll want to save. As you meet your goals, like your starter emergency fund, you'll want to keep repeating the positive behaviors, helping to make it a habit.

To your success.