Human Ecology
Please review each article prior to use: grade-level applicability and curricular alignment might not be obvious from the headline alone.
Winnipeg elementary school shoots for moon with stuffie design
4 minute read Preview Wednesday, Aug. 27, 2025Winnipeggers’ pride bruised by crime, broken infrastructure: poll
5 minute read Preview Tuesday, Aug. 26, 2025Gardening’s hidden benefits: How digging in the dirt could bolster mental wellbeing
3 minute read Preview Friday, Oct. 10, 2025Minnesota sues TikTok, alleging it preys on young people with addictive algorithms
4 minute read Preview Friday, Oct. 10, 2025AI-powered personal finance is here: for better and for worse
5 minute read Preview Saturday, Aug. 16, 20253 steps to save money when you’re tempted to spend
4 minute read Wednesday, Oct. 15, 2025Why do so many of us struggle to save?
Saving for the future can be difficult because of a cognitive bias known as hyperbolic discounting: our tendency to place greater weight on immediate satisfaction, even if focusing on the long term will have a greater payoff. This bias is why, when you get a raise, you may consider getting a new car—incurring a higher monthly payment—instead of sacking away more money each month for retirement and perhaps getting to retire several years earlier.
Feeling stressed about finances can also get you off track with your savings. While some people respond to financial stress by saving more, others respond by spending more in order to regain feelings of control.
Unfortunately, these shortsighted decisions on spending versus saving can have large effects on our ability to achieve our future goals, because of the enormous power of compound interest. So, let’s talk about what you can do to keep saving when you feel the urge to give up.