The secret of financial success is to spend what you have left after saving, instead of saving what is left after spending.
Yes, too many spend blindly at the pubs etc. and then expect hand-outs. All taxpayers should receive a formal assurance that they will all become angels - lol.
damn! I've been doing it the wrong way round! i was wondering why i wasn't saving much, thanks for the tip!
I don't mean to preach.
If I can help I do my best to oblige.
It makes sense 
Thank you.
Yes, life can be much happier if common-sense is the guideline.
Wise words, skip.
The suggestion is based on what has worked well for us. There is no reason why it should not work well for others.
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Very true. Its also amazing how many people don't even have a basic budget for their everyday lives.