Many personal finance sites will give endless, though no less, great advice on how to save money. Whether it’s trimming your budget, opening a savings account, or beginning to invest money in stocks and bonds, if your read personal finance sites, chances are you know all there is to know about growing a nest egg. Still, even though we know exactly how to go about saving money, we don’t necessarily do it. The key, in my experience, has been to change my overall attitude toward money. Here are a few tips:

1. Understand that the future is not a distant mirage.

Recently, I read a fascinating article that outlined a study showing that native speakers of languages in which the future and present tense are explicitly differentiated tend to save less money for the future. The reason behind this phenomenon, researchers speculate, is that since the future is so starkly contrasted from the present, it seems almost unreal. While of course, this is merely a conjecture, it brings to light one the most important attitudes you must adopt in order to save money—you have to take the future seriously. If you conceive of the future as present that will happen to you all-too soon, then you’ll be more likely to understand the necessity of saving.

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