There are ways to save money you might know it . If you just ignore it because you do not want to quit what you used to like smoking, and money borrowing despite shallow reasons. There are other ways to save money, but these two are what we always observe people smoking despite having no income. We can see elementary kids smoking and they only follow in the footsteps of their parents. It is better to be a model to the kids so that while they are still young, they will have an idea of how to earn and save money. Yes, it is good to spend, but only the essentials, not cigarettes that harm the body or borrowing money that may resort to selling important gadgets at home to pay for the interest. We need to be smart and wise. Better save for the rainy days and old age when health declines.