If you spend on things that you don't need, you will not have any money for things you need
Nothing special, funny or very provking about this. Simple and I feel very powerfull.
I have spent a life of a big spender. I love to spend. Usually I cannot rest as long as I have any money in my pocket that is not accounted for. I would thrive on a life where my very much significant pay cheque would be devoured within moments :)
I didn't feel very nice "spending" time on this question. So I moved on to the What will I do about it and How will I do it.
Long story short, I stopped. I put an absolute stop to all my spendings. Then slowly started taking care of my loans, Gadgets, gifts, parties and now, 9 months from the date I started, I am almost debt free and I can now say that my January 2012 resolution will be to safely save half of my take home salary every month.
If anyone feels like asking for advise...Please do :)
SO.... The first change is from within.