Economic Forecasters

Most economic forecasters predict the economy to fall even deeper into debt. With today’s economy, we are living from paycheck to paycheck, if you are fortunate enough to have and income, millions of Americans are coming up short every month…

We realize that old habits are hard to break and leaning a new way of life is a challenge we all need to overcome. We have researched and explored the psychology of saving money and are sharing some of those finding, research, tools and information with you to help you secure your future by saving money.
Saving and saving behavior are a function of both perception of an existing need and desire to provide for the future!

Saving money and ways to saving money is not affective unless you use the information, tools and techniques you learned and make it work for you.
We have provided many helpful ideas of ways to saving money through this website, only you can make the changes necessary to change your direction.
Researchers have studied the psychology of saving and found successful savers use techniques to control spending and assumed confidence for good self-control. Attitude, motivation, careful planning and realistic intentions and goals are the personal tools needed for ways to saving money.

A familiar quote says, “A journey of 1000 miles begins with the first step”, we can use this quote as a focus for attacking the goal and task of saving money. If you think about what saving money really is; it is effectively about making personal improvements over the long haul, it is about lifestyle changes. By making a list of ALL your monthly expenses, including your splurges and discretionary spending, J Hamilton Fraser says in his Psychology of Saving Money, “Once your situation is visible in front of you, you can break some of your monthly spending habits into an “unacceptable” container. You will find justifiable discretionary expenses that can be trimmed back without feeling deprived.” By completely eliminating a few expenditures each month and cutting back a little on others, can add up to a substantial constant saving.

Starting slowly and taking small steps in the beginning without putting too much pressure on yourself, the feeling of the successful progress you are making may make you feel more aggressive about cost cutting down the road. As with any positive changes in life, once the drive toward saving money is established, it gets easier to do. Once you have successfully reprogrammed yourself into a self-controlled money saver, give yourself that well deserved pat on the back and the credit for the hare work and progress you have made.

These changes are going to present difficult at times and you might even slip back into old habits for a short time, when that happens try to pick up where you left off, if that’s too difficult, start over. Don’t overwhelm yourself at the beginning with cutting your expenses too short, give yourself a little lead way and pick up the pace as time goes on, it will get easier.