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Basically, you treat your savings like an expense that you pay first each month.
Before spending a single dollar, you automatically deposit a portion of your paycheck into savings no excuses.
The key is consistency.
When you prioritize saving, your savings grow.
Paying yourself first will also bring you closer to other financial goals or resolutions, Troha said.
Plus, it creates a financial safety net for unexpected expenses down the road, she said.
Here are more ways this method canhelp you stick to your goals in 2025.
Automate Your Savings
Paying yourself first looks different for everyone, according to Troha.
She said the easiest way to ensure you are saving money every month is to automate your savings.
When you automatically transfer a set amount, it actually simplifies your budgeting as well.
Jessica Wright, owner ofCash For Houses Tennessee, has used this approach successfully.
She said this method revolutionized her real estate investment journey.
Strengthen Financial Discipline
Beyond boosting your savings account, Troha said this method strengthens financial discipline.
It can be as simple as eating out less or avoiding the shopping mall on the weekend.
My experience with clients shows this methods power for buildingreal estate wealth, Wright said.
One couple she advised started automatically saving $500 monthly toward their first home purchase.
When I teach new investors, I emphasize how this method removes decision fatigue.
Youre not constantly choosing between saving and spending the choice is already made, she said.
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