Saving money is simple math.  You spend less than you make and save the rest.  It’s easy, right?  Not so much.  While most of you can add and subtract easily, there is something missing from the equation….behavior.   I’ve done it a million times.  Make my budget and know what bills need to be paid and how much I have left over to spend.  Then I go shopping or out to dinner and that figure gets completely disregarded.  “I’ll just worry about that later, no big deal.”   It is a big .