It can be a real struggle when you’re trying to save for the future and get your finances in order at the current time. Some people turn to so-called “soft saving” habits, where you try to prepare for the future while avoiding some sacrifices.

“Most people think of saving as an all-or-nothing game — either you’re stockpiling for the future or blowing it all today,” said Filip Telibasa, CFP from Benzina Wealth. “But soft saving is that sweet spot in the middle, where you make consistent progress without feeling like you’re depriving yourself.”