Another disciplined approach to savings that reduces the temptation to spend your entire paycheck is the automatic savings plan. If your tendency is to spend whatever you have then these programs are a must. Again, the money is deducted from your pay before you ever see it making the whole process of saving a lot less painful. The key principle is the money is saved automatically. The only decision you have to make is to start the process – after that, it is on auto-pilot.
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