December 4th, 2009 
Maria Helm 
One of my favorite personal finance tips is to pay yourself first. The idea is that you should take any savings money immediately from your earnings and put it into a separate bank account. I’m saying this because if I wait until the end of the month to save what’s left, I would have probably spent it all.
I think this idea applies equally to your goals. Pay yourself first because, if you pay other people first, then you won’t have enough time left for what’s truly important to you.
There are going to be a few things that must come first. If your goal is to start a business, but you still work a full-time job, not getting fired is your first priority (at least until your business can support you). Same with important family concerns.
However, between the list of absolute necessities and your goals are a lot of shoulds. I don’t suggest that you stop taking out the garbage, eliminate television and stop seeing your friends. But just that — you should do these shoulds only after you’ve paid yourself.
It is always a noble thing to be selfless and to always think of others before yourself. But a line must be drawn simply because if you are taking care of others your entire life, who is actually taking care of you?
Remember the safety briefing given by the flight attendant every time you board an airplane? You must first secure your oxygen mask before you help your child. The reason is because nobody else will take care of your child if you had already fainted.
So I wonder, do you pay yourself first?
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