It never ceases to amaze me that the people who get into financial troubles in their life really have no control over their spending. Now I don’t mean that they are splashing out staying at lavish hotels and dining in five star restaurants all the time although some people have gone down that track. The majority of hard working people that become unable to meet their commitments are throwing money away by just not being aware that they can have the same things that they have now and yet pay considerably less each month for them.