Hi Slawek;
The most painless way to break out of this bubble is, when you get paid, before you pay anyone else, pay yourself 10% of your income.
You can make adjustments in your lifestyle and not miss 10%. After 10 paydays you have saved a whole check, you find something to invest in that will compound and continue to do this every payday.
If you have made some good choices in your investments, in several years you will start seeing some big returns.
When you get a raise, put the new income into your investment as you have lived without it.
Another thing I learned from studying my Dad, who was tighter than bark on a tree, he would always buy things he needed on sale. The money he saved he paid himself and noted it on the calender. At the end of the month he took this amount out of the bank and hid it away. When he passed away he told my Mother where to find his stash. It was a tidey sum. She then put it back into the bank.
How many people do you know that save money purchasing something and then blow it on something else. They saved nothing. This simple thing I have never read in any financial books or advice.
Have a plan for the money you save on expenses because it could very well make you rich if invested properly.
I would recommend a couple books to you that are fairly old but very effective.
The Richest Man in Babylon and
Wealth without Risk by Charles Givens
Best of Luck to you
Jeff
