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HAVE A SAVING VERSUS A SPENDING MIND-SET

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Once you start focusing on saving (versus spending), you will find it becomes contagious and it will
be a positive way of life.
There really are “savers” and “spenders.” Some people say they are “spendaholics” and could never
change. I beg to differ with them. They don’t want to change. They like spending money that they often
don’t even have. They lack the discipline to change their habits to become “savers.” If they want to
develop saving habits, they can. It really is their choice.
Just as the “shopaholic” derives pleasure from shopping (and spending), you will get great pleasure
from saving your money. In fact, this is where budgeting and net worth statements come in. They will
be the “scorecards” for your financial achievement.

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