Yep I completely agree your point friend. Peoples earn more money and spend more than income. Currently more money spending systems have like credit card. If we haven't money we can buy anything using credit card. It's very attractive step of followed by banks. Those days I was spent more money. I hadn't control my money. Within one year period I came back after followed above steps. I'm happy to see you started save little bit money. Especially thing is starting and then follow continuously. Finally you'll be happy after see your saving growth up.