I understand wanting to have certain things. We all have little things that make us happy and there are few people who could be completely happy living a very frugal lifestyle.
However, there are still many good reasons to save money. Here are just a few:
- Security. We never know what's going to happen. Unexpected expenses come up. People lose their job. You just never know. Having some money set aside will make you feel more secure. You will be able to handle life's emergencies.
- Retirement. If you want to retire, you're going to need some money to do that with. You won't be able to rely on Social Security. Make sure that you are automatically investing into a 401k if your company offers one, and look into other options such as IRAs if they do not (Actually, you can still invest in IRAs if you have a 401k).
- Education. The cost of education is rising. If you want your children to go to college, then you should start saving to help pay for it. This will reduce the amount of debt that your child has after graduating. Even if you don't have children, you may want to save money so that you can go back to school yourself. Check out Upromise which allows you to save money for school by shopping at places you would normally shop. (aff)
- Fulfill your own dreams. Everybody has a dream. Whether that dream is to travel the world, start a business, or just spend more time with your family, you probably need some money to do that. Saving money allows you focus on your own dreams.
My husband and I saved money so that we could try to build our own business. I tell this story (and how you can do it too) in the ebook Save to Quit.
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