If you have that conviction to start saving your money, do it now! Don’t put it off, don’t procrastinate. Creating a budget and making a good funding for the future should be considered. If saving money becomes a habit, it eventually becomes a virtue. The first thing to consider is to spend less. If you buy only those items that are necessary, you can save your money and save yourself from regretting that what you bought were not that useful after all.
Envy could be one of the reasons why some waste their money. They don’t want to be outdone when it comes to buying things that are in the latest fashion. Even if they are broke, they borrow just to compete with others and satisfy their caprices. Live according to your means because it would be very stressful if unpaid bills start to pile up and eventually give you nightmares. Not only that, your nightmares might escalate to nervous breakdown. It might be funny but this scenario happens.