The most frustrating part about saving money, is that you need spare money before you can save it. It's a catch-22 situation. People who struggle to have to spare cash tend to spend it immediately, thus preventing them from saving it.
There have been many studies on this, but basically humans are addicted to their instant gratification monkey. It's FAR more satisfying to spend that bill in your pocket on something nice and shiny, than it is to store it out of sight for a rainy day.
Ok here we go, the URL to which I refer:
http://waitbutwhy.com/2013/10/why-procrastinators-procrastin...
It's not about 'money' per se, but does explain the gratification issue which is why we're all mostly useless at doing things that don't instantly pay off.
