As I'm wrapping up my thoughts about finances, I thought I would leave you with some tips I have learned about saving, spending and finding a balance between the two. Most of it I learned the hard way. Be content. This one thing will enable yo to strike a balance between saving and spending. If we are content, we will have no desire to spend what we do not have, and we will avoid the trap of keeping up the Jones'. Being content means that I can look at others and what they have and be happy for them, without feeling the need to run out and get it for myself. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want. Don't worry . This seems to go right along and possibly hand in hand with being content; like salt and pepper. If we are content with what we have, then we will not be anxious and upset about our finances. By not worrying we ...