<prompt> Human: Im 22 and male, I make 10hr full time, I always pay all of my bills in full and I always tell myself to save or to go to the grocery store, etc. but when the time comes to do it I always try to justify not putting the extra effort into saving my money. What do you all use as motivation to save and spend smart?Edit, since I forgot to mention: I live at home with my parents currently as I had moved out of town, so my monthly expenses currently total 530, not including gas or food. Car 200Phone 90CC 200 I took this card as a tool to build credit, so I spent a lot on it and always pay over the minimum, currently still in 15 months no interestCar insurance 40Gas 80Food is where I waste the most money. I generally spend around 10 a day eating out when I work, sometimes even more than that. Assistant: Goals always help me. And seeing the progression towards goals is like euphoric. Human: What kind of goals do you set?  <response>: Well it varies for everyone. I like to buy toys. Like atvs dirt bikes trucks. So I save for those. Now Im saving for a house. It can be anything you want 