If you are spending smartly then you can save a lot of money. It is an important part of your financial planning and little bit extra efforts toward financial discipline can save you money. You should make a proper list of all the prioritise items on which you want to spend. The best idea is to invest before you spend. This helps you reduce your monetary load and let you earn return on your investment and then do some smart spending. It is crucial to watch out your spending habits at regular intervals. You do not realise when your spending habits get change and you tend to spend more that what is required. Just make a requisite adjustment in your complete plan to avoid the cash crunch later.