I know someone who finds it very hard to save money. He has hardly any savings as he spends money very freely. He sees, he likes, he buys. He is also generous to a fault. So, you can imagine that he is rather popular amongst his friends. When I asked him if he was worried about having very little savings, he replied that there is always next month's pay cheque. This feeling of invincibility in an environment of extremely low unemployment in Singapore could be increasingly common but that is another topic. Anyway, as I talked to him, I found that he is really a very pleasant person. No airs and not given to showing off. He is simply very easy with money. He vaguely knows the importance of saving but being very comfortable now, he just spends freely. It has become a habit. So, since we arrived at the conclusion ......