This is one of my pet rants,
a lot of money is spent on stuff we don't actually need, like the latest upgrade to a phone or TV subscriptions for channels that are never watched, coffee is another one, too many clothes (I am guilty of this), shoes (me), handbags (me), I have a friend whose daughter lives with her and wants to move out who has just spent 800.00 on a phone, if you are happy with your lot fine, but if you want to save, sacrifices have to be made, property is expensive but on the other hand there is a lot of help out there now to get on the ladder that wasn't around 20 years ago
and don't get me started on the amount of tat that is bought Christmas