I have a very close friend who seemed to be very wise in terms of spending money. Actually he has several bank accounts wherein he deposits his money every after the payday. I asked him so many times of how much he gets after depositing his money to his accounts. He said that he only allows himself to spend ¼ of his salary. He admits at me that he must bear in mind that he needs to discipline his inner self because according to him, he is a onetime spender. He explained it that last 2006 he was an over spender. His money is made for spending in just a single hit until he found that he’s too abusive on his earnings. That’s why after that year he started to change the way his life is going. He tried to apply for a bank account and he started to limit his daily living. He said to me that everything will bear fruits afterward. So he also convinced me to learn from his own experience and do my part as a self discipline.