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Saving Money Games: Saving Money
From Greedyfools.com

Simple Games That People Use To Save $
How to save? That may seem like an off the wall question, but one that you have most likely never thought about. Saving for most people equates taking whatever extra money they happen to have at the end of the month and putting it into some type of savings account. Since there often isn't a lot left over, saving money for most people is a constant battle. Many of the people that are truly successful at saving money have changed tactics and created a variety of games that helps them keep focused on saving. Here are some of the more popular games out there:

Never Seen, Never Missed Game: Have you ever considered why tax authorities collect a person's estimated taxes from each month's paycheck instead of waiting until the end of the year to collect all the taxes? Tax authorities do this for a simple and specific reason. They know that if they attempted to collect a years worth of taxes at the end of the year, most people wouldn't have it. Governments know that people tend to spend the amount of money they have available to them, so they take their share up front.

The never seen, never missed game (commonly referred to as a "Pay yourself first" program) works in a similar way. Most people try to save money on their own by putting away the extra money they have left over at the end of the month. In theory, this seems practical, but in reality there rarely is a whole lot left over at the end of each month. The never seen, never missed game is a system where you decide to take a percentage of each paycheck and place it into your savings before you pay any bills, go to any bars or restaurants or make any other payments.

The people who are most successful utilizing this saving game have their money immediately transferred to an investment such as a mutual fund where the money can't be accessed as easily as a savings account. They usually direct deposit their paycheck to their savings account and then have a certain percentage automatically transferred the same day to their other investment. Since they never see the money in their daily use account, they never miss it.