Ok, you've started saving. Great! But now you're running into some bumps and you don't feel like saving. Here are a few things that may help keep you on track:

1. Keep a crystal clear picture of what you're saving for. It could be replenishing your emergency fund, a down payment, a trip, a car, whatever it is, keep the picture clear in your mind (or even in your calendar) and your actions should follow.
2. When looking at a purchase, think about what you could do with that money if you didn't spend it. An extra $50 and $100 here and there adds up quickly.
3. Ask yourself how many extra hours you'll have to work at your REAL Hourly Wage to pay for the purchase.
4. Finally, ask yourself if the purchase will get you closer to your goals.

These simple questions should help you overcome the obstacles and further solidify your strong financial behaviors.