You have to pay yourself first: both in savings and it allocating time. Pay yourself first (savings): take N% of your take home, put it aside before you alloca

You have to pay yourself first: both in savings and it allocating time. Pay yourself first (savings): take N% of your take home, put it aside before you allocate it to something else. Easier said than done, esp. when strapped. Pay yourself first (time): budget time for health, hobbies, and family, and strive to make work bend around that. You don't get time back.