I don't like to be broke

Who does?

Income comes home, then the bills come, and before you know it, a chunk of your salary disappears.

Why are we spending on these things?

Every month (or day), our expenses go out in exchange of items or services to fuel our everyday lifestyle. Assuming the equation of our income and expenses square of (meaning the expenses are not higher than the income), what we spend on for our lifestyle depends on the amount we earn.

Some people ask me how to best save their money so that they can up their lifestyle. Sometimes it's the car they want. Sometimes it's the new baby. Well there is only so much you can do by having all those savings plans, endowment plans, savings accounts, etc. But the true answer to the solution is to raise your income.

How?

If you're employed, be a better employee, get promoted, get a raise, or get a better job. If you're in business, bring it to breakthrough profit. If you're in sales, sell more, make better commissions. If you don't have a job, get one. If you can't get a job, do a business or something.

Whatever you do, don't live everyday and work everyday complaining of low cash flow. Go do something about it.

For the restless hearts that so desire to break free from this rut, this may be a good path to look at. I've screened it somewhat already. Doesn't appear to be one of those dodgy I'm-secretly-gonna-sell-you-my-$1,000-pakage kind of site.