I never save money - You should set aside some money for the future. You 'd better think of your future , I'm going to open a savings account with this 10 soles bill  - You can't open a savings account with only 10 soles., I'm going to save 90% of the money I earn - You don't have to save that much money . You may need it for different expenses, I use my credit card all the time. I don't worry about spending . - You'd better not squader your money , I'm going to spend my whole paycheck on clothes  - You don't need new clothes . You already have a lot.,

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