Saving is important. There is no point earning loads if you save nothing, or worse, spend more than your cash inflow. Earn, Save, invest and repeat, is essential to build wealth. I love to spend money, more so online. The pandemic actually make my expenditure higher. I'm a lazy person. I'll be glad to receive stuff at my doorstep then to go and buy, even if it takes a week to arrive. I prefer sitting in front of my laptop looking through so many stores, to going to a mall and shop. I can cover more shops with my laptop without lifting myself off, than at the mall. But I've always quite consistent in how much I save. It's not due to consistent tracking, but rather conditioning myself to save consistently. This's actually many years of conditioning. The first step to saving or spending is to actually think of the life you...