Let's get serious for a while and talk about something important. I always thought this for a long time doing mistakes repeatedly about financial management. The following examples entered my mind,

1. I love drinking coffee. When bonding with friends for camaraderie during pay day, we always go to expensive coffee outlets. I will not mention what establishments, but whenever I zip its coffee, I see stars. Just kidding. But at the end of the day after fulfilling my indulgence for a cup of coffee, I realized that the worth of that creamy coffee is like zipping almost of my half day work. Ironically when I drink instant coffee (3-in-1) which just gave the same satisfaction to me, I never thought that I can save more. 

2. Drinking alcoholic drinks and smoking are the vices that leeching hard earns money. Many spend lot of time and money for packs of cigarette and bottles of beer not knowing the effects they will get. Or they are just blind even though a lot of health warnings are written in the packaging and frequently advertised. Imagine how much will you save for cutting expenses from these. You might prolong your life, you also saves time and money.

3. We spend too much on things that we just want and not on what we normally need. Most of the time, we buy unnecessary things that are outside our allotted budget using credit cards as extension of our wallet. Bottom-line, we just incurred more debts. The longer you pay your debt, the longer you suffer its interest.

Above are just few examples why we lose most of our hard earned money. We really work hard to earn it when there are ways that the money can work for you. We should have our lifestyle checked, while we are young and able to work. In life I think of two facts, it is either you die soon or you live longer. But you should be ready for either. Conclusion is, save while you’re young and invest on where you can reach your goals faster.