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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