Why is money at hand difficult to hold? I usually find it difficult to keep track of money anytime I have cash at hand, I make plans to hold money, but It never stays because something always demands the money, it is even so bad now that money kept in my account is also now being affected due to expenses. This is not something that happens to only me, I know that because of how money can easily be spent, many people now decide to avoid having cash, avoid taking ATM cards from their banks and also avoid activating USSD or internet banking, but is that really a long term solution?
Because human nature is never satisfied with what he has, then when he sees something he wants and has money in his hand will try to influence him to buy. When life is not well-conceived and money is not placed on productive things then money will continue to be used, moreover human nature is never satisfied and often spends money not at the stage of urgent needs, but to fulfill a lifestyle. Patterns and thoughts of life like this are very difficult to collect money/savings, so special thought is needed on how the money we have can be placed more productively.
If this condition occurs to you I have a few insights that you might be able to use, way every time you have money is to buy bitcoin or gold as a step to avoid wasting money on unnecessary purchases. When you choose to buy gold, the concept can be stored through your wife or anyone you trust and if you intend to buy bitcoin keep it in a secure wallet and never sell it before it reaches ATH.
I blame myself a lot for spending so much and being irresponsible with money, but in your opinion, do you think that the soceity is contributing to the high and many expenses making money not to stay or is it just a bad habit I have?
The point is to what extent are you able to make money every day or month, expenses will be in accordance with income because when we have no income, regular expenses as daily necessities will stop and be unstable. Bad habits regarding unproductive spending due to the absence of a clear financial concept and not the right steps to control financial resources for the future.