This is all well and good but if youre trying to get fit and lose the blubber, youre (apparently) going to have to pay for an expensive gym membership. If youre looking to eat healthier, the cost of organic, free-range, nutritional food isnt at all comparable to scoffing on a bag of chips for dinner from the local Pizza Lunatic (or whatever late night pizza shops call themselves nowadays). And while you genuinely believe that saving up all your money for a rainy day is a good thing, due to increased global temperatures its becoming a far warmer and wetter climate therefore increasing the potential of more regular rainy days in the future. So basically youd be spending more than you saved. Which defeats the point in the first place. Anyway, youll probably have far more fun using your hard-earned money to buy takeaway food, alcohol and cigarettes. When Youll Abandon It: when you realise you dont earn enough.