I think that one important that can make or break you, at least financially, are your hobbies. There are many types of hobbies, some of which range from the expensive, for example traveling, to free ones such as jogging, reading or blogging. There are also some hobbies that can even help us make money by using some of the information acquired with our interest in the topic, for example investing. Having expensive hobbies can be a real drain on your wallet. I think that a large proportion of our discretionary income goes towards our hobbies, so it is one area that we should be able to cut back our spending on without having a large impact on our lives. If we choose expensive hobbies, maybe like playing golf as an example, that requires a large piece of land for us to play on, we would be channeling money away from ......