Have you ever wondered where has all the salary you’ve earned has gone? The majority of people and employees, in particular, feel that they have enough money during the beginning of the month (or) year. But by the end of it, most of us wonder as to where all the money had gone. Wasteful expenditure is one of the primary reasons for this. Fixing this will automatically improve our savings. Further, most of us think that savings need to be goal-based. Morgan Housel in his book Psychology of Money says that savings need not be done only when we are planning for a goal to be achieved. Given the uncertainty…