When we find ourselves in times of financial hardship, it can overwhelm so many aspects of our life. Maybe you have debt that you’re trying to pay off, or your income has changed and you’re trying to make ends meet.

Savings is the foundation for investing. You cannot invest money if you have not saved it first. Like dieting, saving money is hard to start, even harder to maintain, and requires patience and discipline. When you achieve your financial goals, however, the results are so worth it.