Honestly speaking, I'm just ashamed for not inheriting my parents' ability and discipline when it comes to handling hard-earned money the wisest way possible. 

They are the people whom I look at to when it comes to finances. They are very disciplined and when they say savings, it's nothing but savings. Well, that's what I don't have in me. When it comes to savings, temptation will just hit me and I would just spend it with everything I want. 

That's how immature I am when it comes to treating my savings as savings and needs as needs. But as much as possible, I refrain from going out too often to avoid spending and now observing some saving tips that some well-experienced friends of mine told me.

 

How about you, are you good in handling money? How do you save? Do you know any effective saving tips too?