Usually when people get paid from a job, they spend their money on buying some basic necessities as soon as possible. Because those who have a fixed salary have to run the entire month with that limited amount. If they do not spend all those expenses for some reason, then the money may end up in some other work which will continue even if they do not do it. So those who try to be very careful with their income get busy buying the merchandise they need as soon as they get paid. I don't want to see it differently. When a person monthly spends the money that he has left after he spends, he can keep it for any sudden need like medical treatment. I think such spending will have no effect unless he buys something unnecessary.