In the current financial and economic climate, we all have to be a lot more careful about how much we spend and what we spend it on. It can be all too tempting for those who find themselves with disposable income each month to splash out and treat themselves on a regular basis. However, you have to also think about the future and try to put some of your disposable income away rather than throwing it away on items that you don’t need. Of course, when you work hard to earn your money there is nothing wrong with treating yourself...