Dear readers, how often does your mind tell you "Just one more purchase", or "If I buy this now, I'll just save more next month"? Well, I'm pretty sure we all know how saving that extra next month goes. There is an enormous chance that the savings will not happen as we will have even more commitments or even more new stuff to buy.

We are by birth not trained to delay gratification. When babies are hungry, all they have to do is cry and parents will come scrambling immediately ( I'm not saying that is wrong - Just using it as an example). When they reach the age of say..5 and see a toy, they would ask their parents and then scream or show a tantrum if they do not get the toy immediately. I'm sure not all are like that but many I have seen are.

Even ...