Read Full Article here… lifehacker.com

Photo: TaraPatta (Shutterstock) A new survey offers some insights into the habits of “super savers,” who are defined by their ability to sock away 90% of the contribution maximum for their 401(k)s (or alternatively, at least 15% of their pay). Of course, making a lot of money helps, too (duh), but half of the respondents included made less than $100,000—and of those, 15% made $35,000 or less. And their common money habits can be a blueprint for the rest of us to increase our own savings. “Super savers” make payments on time The most commonly shared habits are related to credit behavior, including on-time payments, avoiding overdrafts with their checking accounts and using credit cards only when necessary. All of this stuff keeps your credit score high, which, as we’ve discussed before, has a tremendous impact on how much money you can save in your lifetime. According to the survey, the most common habits or behavior relating to super savers are as follows: Pay bills on time: 85% Pay credit cards in full: 73% Don’t overdraw checking account: 70% Double-digit % of pay goes to retirement: 70% Net worth grows each year: 62% Don’t feel guilty for occasional splurge: 61% Unconcerned with “Keeping up with the Joneses”: 61% Don’t lose sleep over my finances: 56% Feel confident in my financial future: 54% Feel in control of my finances: 53% Happy with my financial situation: 50% Don’t use credit cards out of necessity: 49% Naturally inclined to save: 47% Have […]