Do you have trouble saving money? I do. People are probably scratching their heads wondering how and why do I have trouble saving. Well I like to spend money.
So to circumvent this bad habit and tendency, I have to automate everything. Our 401k is automated, ESPP automated, Roth IRA automated. I don't see the money ever. Our savings is pretty much done before it ever hits the checking account on payday.
But after that, I have trouble savings. If you asked me to set aside $100/pay period, I'd scrunch my nose and sigh. I'd look at the money in the account and know I'd want to spend it. Either going out to eat, vacation, fun, anything pretty much.
And I'm sure I'm not alone. I'm not a saver by nature, I'm a forced saver. A mortgage is an enforced savings plan for me because I doubt I'd have the willpower to pay less rent and save the difference (unless automated). But I'm sure things would come up that I would "have" to do. I also pay all my bills automatically, again so I don't see the money until it's gone.
So are you a forced saver, spender, a natural frugalite? Is it a natural tendency or are there people who just love to save?