Every one has budget and expenditure and different priorities of life. When your monthly salary get credited to your account, what is the first thing you do.
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This is life, we have to live it, let us live it happily.
I personally will never do anything like this, this is not my priority.
Planning every-penny, and remembering those who do not have penny while planning for penny is called social responsibility.
@Rent is what pay first, then monthly bills and then grocery, then school fees and assets purchase , what ever left is saving.
Yes, first things first - the expenditure.
@planning a penny is what saves tomorrow.