Think of this for an analogy. When we have a full bottle of ketchup, we use it less sparingly, but when the ketchup is close to being finished, we are more likely to be more sparing with it to get another meal's worth out of it before we have to head to the shop to buy a new bottle. If only we treated money as though we were going to run out and therefore think more about our spending decisions.
How do you treat money and do you truly understand the value of money versus your time. If you have kids and want to start a conversation about money management and the value of money, you may want to check out CashCrunch Junior