Many people distinguish their spending power and savings ability and treat them as two totally different functions. This is especially evident for the middle income group who thinks they must be separated because they serve for different purpose.  However, the key to a rich mentality is always about having the two important equation balanced out well.  While it is important that that we strive to improve our savings rate, there are also ways that we can be smart about our day to day spending as well.  Gone are the days where you scroll newspapers to look for coupon clips in order to get item rebates.  These days, there are many merchants coming up with new ideas and better offers to entice shoppers to sign up with them to get rebates.  One of them is Shopback, a merchant me and my wife used almost on a daily basis whenever we...