Which strategy can help clients improve their savings habits?

Allocating a specific amount to save regularly is an effective strategy for helping clients improve their savings habits. This method ensures consistency and creates a structured approach to saving. By setting aside a defined sum of money on a regular basis, clients can develop a routine that prioritizes savings, making it a regular part of their financial management. This not only builds a savings habit but also helps clients experience the long-term benefits of compound interest over time as they increase their savings.

In contrast, determining to save only when there is extra money available can lead to irregular and insufficient savings. This approach often results in saving nothing in times of tighter budgets, as funds may not be readily available. Waiting until their financial situation improves might create an indefinite delay in developing healthy savings habits, as circumstances can be unpredictable. Lastly, relying solely on credit for purchases does not contribute to savings at all and can lead to increased debt rather than financial security.