Quote from: mark coins on April 24, 2016, 07:35:08 AM

Quote from: omahapoker on April 24, 2016, 07:22:00 AM

More discipline guys Cool

I think it's actually quite easy to save money as long as you have the discipline. I'm pretty good at saving money and have much more than all my friends but I think it's about finding a balance. My friends tend to spend a lot of money on alcohol and going out whereas I don't. They probably enjoy themselves more than me but I know they all hate having no money but can't seem to change their habits. I go out once a or twice a month to party or whatnot but they go out once or twice a week and then have zero money at the end of the month and that then means no luxuries or holidays in the future. If they ever get into trouble financially or lose their job they then can spiral into debt quite quickly.

Yeah spending for fun is good but not on regular basis, you need to have control on your habits which will directly contribute to have control on your expenses.

I think I heard someone said before that it takes twenty one days to form a habit. You are both correct in saying that discipline plays a key role in trying to form the habit of saving. For those who start saving at a young age, it's already second nature to them to set aside money either for savings or investments. For those who are just starting now, it could be quite hard, what with all the things you could buy and spend your money on. Instant gratification is what they look for. They don't look too far ahead in the future. So when the time comes that they are in need, they tend to be desperate and fall into huge debts.