Financial Success in Autopilot

Are you living paycheck to paycheck? Is there never enough money "left over" to pay yourself after bills and other living expenses? I'm sure you've heard the term "pay yourself first" before, but lots of you must be wondering, "How? There's barely enough money for me to get by in life, let alone put aside for my future!" Well, there IS a way. You have just proved that you spend all your money. But you have also shown that you can't spend what you don't have. So what if you were, right before you even RECEIVED your paycheck, to take money out of it and put it in an RRSP or another future savings investment. Most companies offer automatic payroll deduction, and the best part is the money you put in it doesn't get taxed! You can also use automatic payroll deduction to save for a "rainy day" or even pay off your mortgage!
Again, you're all saying, "Where am I supposed to come up with this money? Won't it affect my current style of living?" That's the beauty. Let's take this true story for example. Someone named Kim was saying exactly that, so the man who came up with this beautiful thing called the "Latte FactorTM" named David Bach asked her to walk through the day and quickly discovered that every morning she would buy a latte and a muffin for $5.00. He explained to her that if she stopped doing that and saved the $5.00 a day she was going through right there, she could retire with that money! To find the money, you have to first discover YOUR Latte FactorTM. It's usually something you buy every day that is a WANT instead of a NEED. For example, if you stop of at Starbucks and buy a latte every day (Not that there's anything wrong with Starbucks, I personally find their Chai Lattes DELICIOUS!) or you buy a pack of smokes every day. (Now, there is EVERYTHING wrong with smoking!)
If you want more information regarding automating your savings efforts and the Latte Factor(tm), please read his amazing and eye-opening book, the Automatic Millionaire.