If you’re someone who wants to save money but keeps thinking,
“I just don’t have enough left over…”
you’re not alone — and you’re definitely not failing.
Saving isn’t about being perfect.
It’s about building a habit that feels doable, repeatable, and empowering.
And today, I want to share a simple little strategy that has helped many people move from stress to confidence — without changing their entire life.
🌱 The $10 Rule
Every time you spend money… you transfer $10 into your “Freedom Fund.”
That’s it.
No complicated budgets.
No strict restrictions.
Just one small action you can repeat every day.
Why does it work?
Because saving money isn’t about the amount.
It’s about building the habit — and proving to yourself that you can save, even when it feels impossible.
💡 Why This Works (Even if Money Is Tight)
✔ It creates momentum.
Every time you move that $10, you’re taking control. You’re choosing your future over old habits.
✔ It builds confidence.
Small wins add up. When you see your Freedom Fund growing, even slowly, your mindset shifts from “I can’t” to “I actually am doing this.”
✔ It’s flexible.
Had a big week? Save $10 once.
Had a light week? Maybe you put away $10 several times.
Either way — you’re moving forward.
✔ It grows faster than you expect.
If you spend (and save) $10 just 4 times a week, that’s $40 a week.
Over 1 year, that’s $2,080 — built from tiny, manageable steps.
🔥 Real Freedom Comes From Consistency, Not Perfection
You don’t need to overhaul your life.
You don’t need to earn more first.
You don’t need to wait for the “right time.”
You just need to start small.
Start where you are.
And start today.
Your first $10 isn’t just money in a fund —
it’s proof that you’re capable of change.
And you absolutely are.
If you try the $10 Rule this week, hit reply and let me know how it felt.
I’m here to cheer you on every step of the way.
You've got this.
One tiny step at a time.
Kara Northcott
Financial Educator & Facilitator
Helping everyday people feel confident and in control of their money
027 666 6784
📩 kara@financialconsultant.co.nz
🌐 kara-northcott-financial-consultant.kit.com
