Give This No-Brainer Savings Plan a Try

Overthinking easy things until they're impossible is the easiest thing in the world. It might be keeping you from tasks as small as doing your dishes or as huge as saving for retirement. You've got some quick ways around that, though.

Writing for Apartment Therapy, Ashley Abramson shares a deeply simple and doubly effective trick to both get you saving more and cut down on unnecessary spending. There's no bullet journal to maintain, no app to update, and no social network to alert. In fact, you don't even have to change your spending habits if you prefer.

There's just one rule: For every nonessential purchase you make, match the amount and sock it away in a savings account. If you spend a few bucks on a fancy coffee (after all, it's important to treat yourself), there's no reason to feel guilty. You'll feed that into your bank (or even an automated savings app, like Acorns) and then you can go about your day.

This method sets you up for success in a couple of ways. One, the process of saving becomes an automatic part of your daily routine. Anything that you can automate takes pressure off you and eases the decision fatigue that can snarl up the best of plans. If you add in regular dedicated contributions, your savings can snowball over time. Two, staying mindful of nonessential purchases makes you consider how much you really need to make them. If you pause long enough to think you could make a coffee for yourself at home, you'll save yourself something either way.