Spend in those area that can help you and solve your prob: Good example: 1. Buy a new bed so that you can sleep soundly 2. Buy a new car since the old one too many prob 3. Buy a wireless mouse to save the wiring prob 4. Open aircon for a more pleasant environment. 5. Hiring a maid so that you can spend more time with family. Bad example: 1. Fine dining : to solve your bad appetite? 2. Buy a luxury headphone: to solve your insensitive ear? 3. Buy a new branded handbag: to carry more stuff? So, before you spend. Think first, are you spending the right way? what problem are you solving with your money?