You all probably know that a person tends to appreciate even small, but close joys more than big, but distant ones. And that's the problem. If you apply it to personal finance, it is catastrophic.
But you can try to use the same property of human nature for your own purposes. I do not know if this will work for everyone, but since we are addicted to all sorts of "sweets", then it's worth coming up with some kind of game, and predilect your social circle to it.
What is the game? The next time someone boasts about a new gadget that is not really necessary in fact, I suggest modestly and unobtrusively saying that you have put the same (or more, which is even better) amount on the account, on a yacht, on a villa in Spain, well, you understand. The main thing here is not to lie.
In my opinion, such a game could bring double benefits: firstly, you would create your own foundation, and secondly, you would promote a healthy lifestyle, which in itself is not bad.
You can also spend a ruble for each hundred deposited in an inaccessible place immediately without a twinge of conscience.
You can also argue with yourself and every time friends buy something unnecessary - put the same amount in the piggy bank, calling them fools to themselves and quietly rejoicing.
You can come up with other, more suitable ways for you to please yourself immediately with a contribution to the future. Let's make our weakness the trigger of our successes.
How do you overcome your urges to sacrifice the big and distant for the sake of the close, but accessible?
