The Bottom Line
It's time for you to focus on saving more -- and get more disciplined in your life.
In Detail
It's time for you to focus on saving more instead of spending more -- that fact will become all too apparent when you look into your wallet or checkbook today and see a lot less there than you need. A moment's embarrassment can be fixed by putting something back on the shelf, but the quiet knowledge that you need to get more disciplined about saving your money will not. Instead of telling yourself that you 'should' spend less, today you actually have to start spending less.

this is quite true.