I want to reassure you that spending your hard earned money isn't a wrong activity, however, there is something that should be taken more seriously than spending and that is saving for your future. As you spend, you've also got to realize that you need to save for a rainy day. If all your material posessions were to be taken away from you, would you still be alright? If you have been spending a lot and not saving, it may take a while for you to make the necessary adjustments with your finances, but if you are resilient and proactive, the steps you will find in this book will be of great help.