There is a saying that a penny saved is a penny earned. I learned that habit when I was in grade school and I had my first bank account when I was in a freshman in high school. I still have that habit of saving money and usually I save in drawer of my computer table. When the amount becomes substantial then that’s the time I deposit it to my ATM account which comes in handy when I need cash. The habit of saving also helps me to think hard before spending. In other words, I don’t just buy on a whim because I put prime value on my money.