Have you checked your attitude towards money lately? What is "your dream"? bigger home, a bigger car, private schools, branded drink, gold?...
Money for for things that are important in life: you family, your people, health, well being, ... Do not be afraid to spend the money on your people when they really need it, but be wary of spending it on stupid things and if you think your car and your clothes are important, you may want to start thinking if you have any significant goal in life and where does it get you in the next 10 years.
I think this is a real time wake up call because most times, money spent even on the wrong things at the right time isn't just a waste.
At every instance I get to talk to people about financial education not necessarily because I have a knowledge to share, but rather because I also want to learn something from the next person as well.
I think financial spending habit should be one of course to be introduced into study curriculum ( just my opinion).
I've seen people who see buying of cars as wastage and very wrong investment but I always have to disagree with that because in a society and country like mine, owning a car and not just a car but also a flashy one aids to uplift the status of an individual and at some point the saying "
How you dress and appear determines how you'll be addressed " comes to play and there are deals you can catch just because you have a car and look well that you wouldn't have gotten if you looked the other way round.
In conclusion, one should spend money to get the things that gives him satisfaction as what seems right to a person might be wrong to the other person.