When I say discipline, I mean that the most important thing to save is to do consistently, so it is important that we consider as something aside each month / year for future expenses. It does not work to pay mortgage, loan, buying clothes / food, school expenses, dining out, vacations and then, if spare, save. NO, first turn away a lot of my monthly income and then come the bills.
The reason for doing it this way is because to be able to save, it needs to be regular and constant.
