Retirement saving may be the ultimate goal; it’s not always a motivational one. Break long-term goals into chunks. Find the saving goals that can be completed in just a few years.
The trick to becoming an effective saver is identifying with a saving goal that provides you with the motivation needed to get the job done.
Don’t think of the money you spend as a percentage of your total income. Think of it instead as a percentage of your potential savings.
This is straight from your Money or Your Life. Time literally is money. Each dollar in your paycheck represents some amount of time it took for you to earn it. Figure out how much time a dollar is actually worth to you, and you can begin to see your expenses in a whole new light.
Think that you’re not just saving to be able to do what you want at the end of your life, but to also to be able to do the things you want today.
Its been said that always save for the right sorts of reasons those which are life-enhancing reasons and you will no longer think of saving as miserly.