How to Appreciate Incremental Growth on Your Money

How to Appreciate Incremental Growth on Your Money

It can be difficult to appreciate incremental growth where our money is concerned, so I have chosen to share a process that has helped me.  This amounts to early recognition that my savings plan is working and thus encouraging me to continue the journey.  We know that when there is observed progress in any plan, it motivates the planner to become more involved and thereby expediting a favorable outcome, which in this case is financial independence.

In this method, I take note of what my work hours are worth in dollars.  If, for example, I am employed at $20 an hour, it means I am willing to accept that each hour I labor is worth $20, whether I like it or not.   Therefore, for an eight-hour work day and a forty-hour work week, I am looking at gross income of $160 and $800 respectively.

With this in mind, if I have money saved or invested in some form that yields $20 a year, I am then passively earning an hour’s worth of my labor.  As the money grows from contributions as well as returns, I would start seeing the length of time to achieve this $20 yield being shortened.  Hopefully, I would see the average time for this said $20 yield be reduced to a monthly, weekly, daily and eventually an hourly basis.

To arrive at the point where my money is working for me, I would need to also put emphasis on saving money as indicated above.  If I can save $5 a week, this amounts to $260 a year, which is also worth just over a day and a half of my laboring hours (remember in this example I am working for $160 a day).  Furthermore, this helps me respect the growth power of relatively small sums of money and motivates me to increase the amount I am saving over time to exceed $5 a week, enabling me to reach my goals at a faster pace.

We must remember that each success story has a beginning and for this reason, we should learn to appreciate the early indications of growth in our finances as well as other areas of our lives.


Welcome to My Savings and Me. I have been blessed just enough to have a financially stable life for my family and myself. I have used simple saving and investing methods to make my money work for me and it is now my hope that information shared throughout this blog may ignite a fire in others.

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