It has been reported that 60% of the UK households can only survive for two months without a wage and 40% of working households have practically no savings whatsoever.

That is shocking!

Although I am not surprised really.

I am fully aware that living costs are rocketing as I am also victim to those increasing costs, but that cannot be blamed fully for why people have no savings and cannot survive for more than two months without a wage.

The truth is… we live in a society where people choose to spend their money as soon as they get it.

Maybe not so much now… but when times were good, they did.

It is a bad habit formed over many years… generations even.

It’s not their fault either.

For years companies have been running adverts on television, on radio, in cinemas and online seducing people into ‘buying’ products, enjoyable experiences and lifestyles.

People buy stuff that they ‘want’ but can’t actually afford.

Or should that be ‘made to think they want’?

Very few people actually want something until they are exposed to the idea.

No one has gone on holiday to a place they didn’t know about until they saw it on television, in a film, in a brochure or on social media.

Credit card companies have pushed people into a habit of enjoying life now and paying for it later.

And they certainly are paying for it now!

Far too many people have spent the money they earn on enjoyment and ‘trinkets’ instead of using it for their future.

I am not talking about simply putting it in the bank and saving it. That might have helped a few people manage bills better today if they had, but other than it building up, it wouldn’t change your life for the better.

Money – and time – really needs to be used more productively if you want to change your life or circumstancies.

The more time and money you use in the early stages will result in you having more time and money spare later on. You will most definitely have more money and time than most people.

A prime example of this is Chris Martin from the band Coldplay.

In an interview he said that he was the geeky nerd who was learning to play the piano while the rest of the teenagers in his class were ‘hanging out’ and having fun in the evenings.

By spending time during his early years learning to play the piano, he is now a very wealthy man who doesn’t need to work a traditional ‘day job’.

It was the same for David Beckham who spent his weekends and evenings going to football practice while his friends spent their time doing the same thing as Chris Martin’s friends… ‘hanging out’ and having fun.

Sheridan Smith spent a lot of her evenings and weekends going to acting classes and performing in the clubs in and around North Lincolnshire. Today she is one of the highest rated and most popular British actresses who is constantly working.

The US hip hop legend Dr Dre, who is now a billionaire, is another prime example of someone spending their time productively and reaping the rewards of his efforts.

It helped that all four of those I have used as examples knew what they wanted from life and enjoyed doing what they were doing.

But so did many others who never found success and wealth.

The big noticeable difference is that unlike the four people I used as examples, a lot of people stop when it requires doing a lot of work which is not quickly rewarded.

When the fun stops… they stop.

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