Let’s take a moment to talk about habits. Intuitively we all know that good habits can be great things to have. Think for a moment about the benefit of going to the gym or for a run each day. It makes us feel good, improves the way we look, and potentially reduces our doctors’ bills. Now conversely think about the habit of eating sugary foods or drinks. It may give us short-term satisfaction when we get that sweet taste in our mouth, but in the long run we feel worse, look worse, and potentially end up saddled with doctors’ bills because of poor health. Good habits are life-long friends and saving money consistently is one of the most important good habits we can have.