Having trouble saving up?  You’re not the only one.  According to CNN Money, almost half the people who make a New Year’s Resolution to save more money don’t make it past the first month.  So, as a solutuion, here are 4 ways you can “fool yourself into saving.”

  1. Do it automatically
  2. Give yourself a reward for meeting your goal
  3. Punish yourself for not meeting your goal
  4. Use a Roth to save and lower your taxes

I especially like #2.  Nothing is more motivating than positive reinforcement.  Be careful that your reward isn’t something that blows your entire savings. Otherwise, what was the point?

Read the full story: “Fool yourself into saving smarter“