Bankrate.com ran a great article about why consumers don’t save their money. It seems everyone’s got a reason, er, excuse … From their article:

1. I don’t make enough money - Many people just spend their money until it’s gone. Tracking what you spend may help you control your spending, and therefore help you to save.
2. I’ll get around to it later - People are always putting off saving. However, saving little by little can add up fast.
3. I deserve a little luxury in my life - We’re in a society that promotes instant gratification. Saving is important too, and it’s okay to save for the treats you want too.
4. Someone else will take care of it - Many count on things like inheritances to start their savings. It’s wiser to be in control of your financial future early on.
5. I’m saving through my 401(k) - Retirement money is important, but you also need emergency funds for today’s problems.
6. This item or service will pay for itself - Rationalizing purchases is easy, but it may be wiser to save and create a financial future.