Most people have “save money” (or saving a specific amount of money) as a goal, but in many cases savings is not a priority when it comes to actually doing it.

Of course, well all know that we “should” save money, but we don’t always realize the full impact that doing so will have on our lives.

Things are just different when you have a cushion for emergencies, and when you have additional money set aside for purchases you’re planning.

I tried for years and years to save money without success. It wasn’t until I was divorced and faced with an almost-certain job loss back in 2001 that I finally got serious about saving.

In my case, fear was an excellent motivator that got me started saving.

But what motivates me now is how differently I feel with a little bit of money in the bank.

Having to replace a tire no longer induces panic as I wonder how on earth to pay for it. Emergencies no longer go on a credit card, continuing the cycle of debt and filling me with stress and worry.

I don’t feel as though I have no choice when it comes to signing work-related documents. I have negotiating power, and more flexibility when it comes to making purchases and money-related decisions.