Automatic behaviours trigger better decisions and make the entire process seamless. One thing compliments the other, and good habits give space to other good habits.

Example: When a person is dressed up nicely, they tend to work harder.

Start by saving a certain amount every month from your paycheck (using automatic transfer), and also work towards building or completing your emergency fund.

Clear any high-interest debt you may have and also save money on your next life goal, like buying a house or a car.

Use a rewards credit card, online bill pay or automatic bank draft to put all your bills on autopilot. Be aware that using your bank account for automatic payments has some concerns like:

1. There is maintenance required in case you change your biller or bank.
2. If phone bills get racked up due to unfair roaming charges and get automatically debited from your account, your cell phone company may not give it back.
3. Bounced payments incur additional bank charges and penalty.

Your investment portfolio can be put on autopilot, making use of the Systematic Investment Plans (SIP).

You may have subscriptions on movie streaming platforms, or even the gym that you no longer go to, which is draining money from your bank account. You need to clear away any autopilot subscriptions that are vacuuming cash from your account.