Saving more is hard. Identifying opportunities to pay down debt or save extra money is also hard. And it certainly is not fun. But it can be very rewarding, because every time you make the effort to save more, invest more, or eliminate debt, you are getting closer to your financial goals, whatever those may be.
And so sometimes we need to trick ourselves, or change our mindset, in order to commit to chasing those goals. One idea is to visualize the end of the rainbow. Each time you make a contribution to your retirement account, let yourself daydream about the day it will come when you can leave work behind and enjoy more relaxing pursuits.
It might not make the practice any easier, but it might help provide you with the motivation necessary to keep moving ahead. For more tips like this one, read this article from Moneyning.com.