To be able to invest and multiply our assets, we need to understand ourselves first and, in particularly, our spending habits. I will never forget a situation happened almost a year ago with my friends. We were sitting in a very nice and cozy Italian restaurant with 7 friends of mine after the ski day in mountains. All  my friends work at good positions in big international companies for quite a long time. It was Sunday night, 24 th of February. When the desserts were served my friends began talking about staying a little bit longer and waiting before midnight. I asked if it was any after ski tradition or so. They replied that there was no specific tradition; they just needed to wait for a midnight, because it was a salary day and exactly at 12 a.m. in the morning their bank account would receive thier monthly wage so they could pay for a dinner…. Continuing the discussion started a week ago about how we are influenced by the society we live in (Friday …