Enjoy Life Today While Saving Money For Your Future

Enjoy Life Today While Saving Money For Your Future

We all must have food, shelter and clothing in order to survive. These are the necessities we need to have a minimal level of comfort. Beyond these basics, we buy things and make investments that make us comfortable in some way. Spending time and money on an education is an investment. So is saving money.

Life can be uncertain, and it is advisable to save some of your income to provide for some of the necessities, in case your future income is not adequate for one reason or another.

Some people spend all of their income as they go along. This is known as "living paycheck to paycheck." However, other people automatically save the entire part of their income not used to pay expenses. These people are known as misers.

A well-balanced person finds a way to budget his or her income, pay for expenses, and enjoy life while regularly saving part of their income. However, it is not easy to save money, or to strike a happy medium between expenses and savings.

Only misers truly enjoy saving money. The real pleasure from money comes from the happiness we get from the goods or services we receive after spending it. Any immediate satisfaction we get from saving money is from knowing that we can acquire and enjoy goods and services in the future with the money we saved today. To what extent we should delay gratification for future enjoyment is not easy to determine.

Since most of us make more money as we get older, and since we all are getting older, you may conclude that we should spend all of our money as soon as we get it for maximum gratification. This is not a wise train of thought. Again, we must strike a balance between expenses and savings.

The person who devotes all his or her time working and saving a small fortune is usually among the unhappiest people alive upon retirement. Contrary to what we may think, we are happiest when we are working, even though we may not love our current job. Also, if you have not learned how to enjoy the things money will buy before you retire, you won't suddenly learn how to enjoy life after you retire.

Some people spend their most active years working and saving for emergencies and for old age, with little thought of current enjoyment. This is a grave mistake. It is only by enjoying life and becoming a well-rounded human being in the present that we can enjoy ourselves, and be enjoyed by others, during our old age.

No one knows when our last day on earth will be. For some of us, it will be sooner than we expect. Be sure to enjoy today and live life to the fullest while saving money for tomorrow.

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