According to me there are two categories of people in this world. The first category are experts at money management right from the day they start getting pocket money. They know the precise amount to be spent on dates, socializing, movies, a new pair of sneakers, but they also know the right amount that needs to be saved each month. These guys always seem to have some hidden resource of money to tap into and for them money is as abundant as pollution on the planet. Then, there are the second category (I belong to this category) of people. These are the guys who spend money faster than they earn it. Saving money is always a pipe dream. Spending money is based more on instinct and impulse rather than planning. They live from one payday to the next. And on more occasions than not, their bank accounts are as barren as a desert by the 25th day of the month, if not earlier.
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