Good advice is don't spend what you don't need to, then give every pound you save a job, whether that's investing in your business or the stock market
Too many self-employed/small business people spend it while they've got it and then end up scratching around.
The poster is right about even small things like making your lunch and not buying, do the maths, £5-6 a day on lunch adds up to about £1500 a year, put that in your pension, pay it off your mortgage or invest it you will be a lot better off, and that's just one small change, most people could cut back by thousands a year and not make their present life uncomfortable
I'm nearly 50 and personally I want to have choices when I'm older about how much I work so I'm as tight as a Ducks backside (and that's watertight) 
always have been
I hate tight people......I had one mate who used to drive half a mile out of his way to avoid paying a parking charge.....he invited me and my missus round for sunday dinner once and insisted we pay him £8-50 each to cover the cost of the food!....I thought he was joking but he wasn't!...we didnt go......hes also no friend of mine now....w*a*n*k*e*r....
I also know a school friend who's dad has over a million pound in the bank......he s a real miser!once I caught him photocopying the crossword out of the paper in the local library so he didnt have to buy a paper!he looks like steptoe......
Maybe deep down he didn't want you to actually come round. 
You'll notice I said most people could cut back on excess crap and still be very comfortable
I guess I'm not actually tight, but I won't 'rent a life style' by leasing a car for example or having high interest loans to buy unnecessary crap like most people do, I prefer going places to having a house full of odds and ends.
So I usually make my lunch and save that money, but I will go out to dinner to a nice restaurant or go away for a weekend
Its a fine balance between 'no pockets in a shroud so go spend it' and 'it's cold when you can't afford to heat your house on your state pension, cos you peed all your money away when you were young;
i say spend it...you ll be dead soon
........i dont want a load of money when im at the fAg end of life....id rather spend it all now while im still young enough to enjoy it.......
