money2 People in Russia love money, especially they love to spend it. Only same people think about the future and saving money. People live for today, and if something happens, often they not have stock of money for a few months, especially years. But in life can happen anything, and we have a little pension. Now many people have credit cards, they pay bills, shops, buy different things. I believe that, if a person can pay a loan, then can also save up for the right thing if it's certainly not flat. Then the meaning in the credit or credit card? Often people take a loan to survive until your next salary, although the budget allocation in such cases simply should not be. People don't invest, waste money, people waiting inherit money, which also may not be. Because some people live long enough, and the kids can't wait for inheritance. If a person says that does not know how to save, it's just an excuse. If you do not want to save money at the moment, then you need to at least try to earn more, invest in your education, take courses of improvement of qualification, to go to University go to the training. Don't be afraid to take responsibility at work, to have a career and a raise in salary. Always try to learn something new, learn new trends, technologies, be aware of the latest events in the world, go to specialized exhibitions and seminars. Then, if the person is a good specialist, he will always be in demand. I believe that there has to be a balance. It is not necessary to infringe in all, you need to buy food and other things that delight the person not to feel something devoid. But often people buy things without even thinking whether it is necessary them, whether they want the chocolate really or is it a momentary action. Yes, you schould yourself to please and buy sometimes useless things, but you need something to save for the future, because nobody knows what can happen. Everywhere need a balance. I think, you should not buy another shirt for the summer, if you have at home many good shirts. Very often people buy many unnecessary things on sale, which in the end did not need them. I think many people have clothes, which they didn't wearing. Each for himself decides to spend or save money, more importantly in the future, not to regret his decision.