Napolean Hill's Book - Laws Of Success - fields one interesting habit - Habit of Saving. Habit of Saving is such habit, which can make a difference between success & failure. There is one example in the book - that of two worker, working in same company. One of them has a habit of saving. So out of the 100 that he gets, he will save around 20 and work with the 80 that remains. The other one is the person whose 100 become zero at the end of month. Our habits are so designed that we will spend most of the money available with us until we are bound to stop. The little savings that the first one does becomes significant enough. The second one develops some instrument which is very good, but he does not have any money to make instruments and sell.
The first one gives his savings and they make some 100 instruments and go for selling. After sometime all are sold. They make a 50:50 partnership and start a company of making those instruments. Soon, it is big enough and they make some million dollars by selling the stake of the company. This windfall might not have come for the first worker, had he not had the habit of saving.
But how do we save? The best way to save is to take out some amount of money from your earnings and deposit it or invest it somewhere so that it is not liquid money and you are not able to spend it. Our spending habits makes us spend all the money that we have and if we put a habit of separating 'x' amount of money each month before spending, soon it will be 12x in that year. If you invest it in some good scheme, it will increase by the day/month. You can use this money when there is a Rainy Day and you need it. But until that time, let it be safe from you.
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