<prompt> Human: Theres tons of analytical stuff calculating interest, yields, etc on this subreddit. I feel like half the battle of maintaining finances is staying motivated and tricking yourself into saving.Anyone have some practical tips they use a lot?Some tips that stick out to me: Debt snowball - not the best mathematically but keeps you motivated and helps with little successes along the way. Thinkresearch for 1 hour for each 100 you want to spend I use this mainly for non-essentials like electronics, hobbies, toys, etc. Opportunity cost: Thinking less about how much a product actually costs vs. how much you could gain by investing it in something else. Makes purchasing decisions easier if you dump the same amount of into your retirement fund tax-free and think that you automatically MADE money rather than simply not spending.  <response>: I tend to think about how many hours Id have to work to earn the money to buy something post-tax of course. It keeps me pretty well grounded. 