Why You Can’t Save Consistently (And How I Finally Did It)

Let’s talk about a secret that a lot of entrepreneurs carry:

You make money. Sometimes, decent money. And yet… you’re not really saving.

You want to. You try to. But something always gets in the way.

I know that feeling all too well. Because despite being an accountant, I spent way too long stuck in the loop of inconsistent saving. One month I’d transfer money into a savings account and feel proud. The next, I’d forget. Or dip into it. Or spend it because "this month was different."

It took me a while to realize: the problem wasn’t how much I earned. It was how I thought about money.

If you’re stuck in that same loop, this post is for you.

Why You Might Be Struggling to Save Consistently

You’ve probably tried saving before. Maybe even used a budget app or set a goal in January. But if it didn’t stick, here’s what could be going on:

1. You’re trying to save what’s left over

This was my biggest mistake. I treated saving like a bonus, not a priority. So if I had money left at the end of the month, great. If not? Oh well.

But real talk: there’s never anything left over unless you make it intentional.

2. Your income is inconsistent

When your revenue fluctuates, saving feels impossible. One good month can lead to false confidence, while a slow month wipes everything out.

The key here isn’t perfect income—it’s stable systems. More on that soon.

3. You don’t have a dedicated savings system

If your savings live in the same account as your spending, they’re not savings. They’re just delayed spending.

I learned this the hard way when I kept "borrowing" from myself, thinking I’d pay it back later.

4. You feel guilt or fear around money

For many of us, saving isn’t just a financial challenge—it’s an emotional one. Maybe you grew up believing money should be spent, or that having extra means you’re selfish.

Unpacking those stories matters. So does replacing them with better ones.

What Helped Me Start Saving Consistently (And Actually Enjoy It)

Once I realized saving wasn’t just about spreadsheets, I approached it differently. Here’s what worked for me:

🧠 I rewrote my story around money

Instead of thinking, "I’m not good at saving," I started telling myself, "I’m learning how to manage my money like a CEO."

That small shift changed everything.

📅 I made saving part of my routine

Every Friday, I review my money and move something into savings. Even if it’s $10. That consistency built trust with myself.

🔐 I opened a separate account (and made it harder to touch)

Out of sight, out of mind. It became my business safety net.

🎯 I gave my savings a purpose

When saving has a goal—emergency fund, retreat, new software—it feels exciting. You’re not just moving money. You’re building something.

Ready to Build Your Own System?

If you’ve struggled to save consistently, I created a free resource to help you finally change that.

It’s called the 5 Days Saving Challenge, and it walks you through:

• What’s blocking your saving habit

• How to create simple, repeatable systems

• How to feel empowered (not restricted) by saving

Each day includes one short lesson + one action step.

👉 Join the free challenge here and start creating a savings habit that lasts.

Final Note

You don’t need to be perfect to be consistent. You don’t need to save big to save meaningfully.

You just need to start. Keep going. And give yourself grace.

Saving isn’t about restriction. It’s about freedom. And you deserve that.

👉 Join the 5 Days Saving Challenge and take the first step today.