System beats motivation
People who consistently save are rarely more disciplined than the rest — they have a better system.
Five habits
- Standing order on payday — pay yourself first.
- A separate savings account, out of sight.
- A 10-minute weekly review in Qinta.
- The 24-hour rule before any big purchase.
- A yearly audit of subscriptions and insurance.
None of them is dramatic. Together they change the year.