It is too late to save to buy a house or car or other necessities or luxuries. Because savings is what is left from income minus expenses, but if one wants to buy a house or a car or luxury goods in a relatively short period of time then one must focus on investing. But it is also very important to save which helps us to face future unexpected situations. So my theme is to save at least a part of what is left after deducting the expenses from the income and use the rest for investments that will help us meet all our needs.
The theme that you developed is actually quite suitable to be applied by everyone in any condition because it will not only help us to meet the needs we need, but can also help us fight bad conditions such as inflation and other things such as unexpected in life. Because someone who is able to save a little money and invest with the remaining money from his monthly income will definitely feel that things are better in his own life because he has actually helped his own future and made it better.
Yeah right, if you play well with your money and have that savings and investments, it will save you or keep you from barrowing in case that there's emergency that take place, you can use what you save and not bother anyone if you have some financial needs, it's true that everyone can also look at it as good way preventing you from over exceeding with your income, a wise man always find ways to make sure that the money they've got will actually works for them.