Many people complain about the difficulties of life and how their low income affects their everyday relationships with their significant others. Yet, financial problems are not due to lack of income, but rather by handling the money that we do have in an unwise manner. A frugal person does not worry too much about this because he has better understanding of money management and wise spending. Most money problems are actually caused by lack of discipline to make appropriate decisions relative to existing financial status.
Take for instance a person who buys a new model of car when the existing one still functions well. He could have saved it for other purpose or future use. See, the problem is not caused by external factor, but internal. Therefore, the perfect solution must begin internally. If one wants to achieve his financial potential, then he must decide to begin spending and saving in a responsible manner now.