account. But as Von said, the best thing is discipline. emma replied to emma Thu 06 Sep 12 (02:06pm) thanks guys/gals i have discipline but then it snaps - guess i shoudl also treat myself occasionaly so i dont have these snaps I have to say my biggest pet hate are articles on why you shouldn't have a coffee, why you shouldn't buy a sandwich, and then providing annualised estimates at how much it costs you.  I would rather earn more than deny myself things that make me happy. While some delayed gratification is necessary, a lot of financial blogs are advising people to settle for less, or convince themselves they deserve less. I would like to see less articles on saving $2.00 on ATM fees, $5.00 on groceries and more on how to expand, build and grow wealth. Yeah, those bug me too.  So do the "do this, this, and this to save on xxxxx" stories.  If you dont reward yourself once in a while, whats the point? I spend $100 per pay on myself.  Could be a couple of movies, or a shirt or two, and so forth, or I might save for a few pays and get something more expensive, but in the end I reward myself. Since I've been doing that, I've made far less impulse purchases, and I'm much more satisfied.  In effect I've budgeted my gratification into my pay. Justine Davies Wed 05 Sep 12 (02:03pm) I would most like to know the best