If you find it hard to accumulate money then I am going to give you a magical exercise for both saving money and attracting more money into your life. This is call the abundance bowl technique. All you need do is find a beautiful bowl, find a safe spot in your home and then and everyday simply put 50p or a £1 in the bowl. You must do this without fail every day until the end of one calendar month. At the end of the month you can take all the money out if you wish and treat yourself. Or you can spend some and leave some.Then you begin the next month by saving 50p or £1 a day for one calendar month. This exercise can create miracles. At the very least it will train your unconscious to accumulate money for you. One of the keys to make this exercise successful for you is to enjoy doing it and enjoy spending the money at the end of the month!