Saving money is indeed very very difficult. It is trivial whether you have a low paying job or make over a hundred thousand dollars a year. The matter of saving is indeed tricky. One tends to spend more as one earns more. This is why they say, “A dollar saved is a dollar earned?”

Nowadays, with banks and other financial institutions offering personal and other loans with the minimum of fuss, it is rather tempting to borrow and fulfill ones needs and desires. But be warned, servicing the debt may not be as easy as spending the borrowed money.