Food For Thought; Savings. I had a conversation with a certain young man, and he was complaining about his financial crisis. I asked him, "What are your savings?" He said I have nothing, I can't save because after paying bills, there is nothing left to save." I understood him, but I gave him a challenge to consider. If you want to save, you don't spend first and then save what remains because regardless of how much you earn, there is always nothing left. The principle is that you remove savings first before you spend. What are Savings, savings is the money that you put aside for future use. It doesn't matter how much you earn. Try to save a small portion of your earnings. Trying to save a bigger portion will not work because you can always follow it in a shorter time. If you earn $150.00, you can't save $50.00, it's a bigger portion and you will need it soon, instead save atleast $15 out of your every earnings using the above mentioned figure. This way, you will be able to carry on with your life while saving. With time, you will be able to accrue a significant figure with time. If you can start saving now, by the of the year, you will have a good figure either to use for Christmas holidays or to buy any property of your choice. If you don't save money, you are likely to live your entire life in debts. There are more chances that you will always be required to borrow each time you face a crisis. If you fall sick, you are required to borrow. If you have a funeral and you need to travel, you are required to borrow. This kind of life has no peace. If you save some money, try to forget about it, and don't consistently remind yourself about it. Save and forget that you have money existing somewhere so that you won't be tempted to use it for something that you can ignore. Without saving, no progress in life and no financial freedom. You feel the heat throughout. The C.E.O, Dr : Food For Thought; Financial Golden Rules to remember. 1). Don't keep your money where you can easily reach. As long as you have money there is always something to spend on. 2). Don't spend money that you were promised, if it doesn't come, you will be in problems. 3). Don't spend for show off, people you want to impress they easily forget but your financial obligations will remain stuck with, spend wisely. 4). Don't spend more than what you earn. That gap will be difficult to fill, and you will spend the rest of your life borrowing. 5). Don't buy something because it's cheap, buy only the things that you need. 6). Save before you spend because there is nothing that remains after spending.