If you're normal, then saving what's left at the end of the month is freakin' impossible. It's not that you don't want to, it's just there's never anything left. You swear that next month will be different, but it never is. You get a raise and think to yourself that you should save some money now that you can. Except you can't. Am I right or am I right?

In the same way that work expands to fill the available time, expenditure rises to meet income. No matter how much you earn, by the end of the month it's gone.

Does this mean it's impossible to save? Of course not! But, you've got to pay yourself first. Let me explain?

You don't need 21 days or 21 repeats to get into the habit of saving. Simply set up a debit order and you'll have created this beneficial 'habit' instantaneously.