The way to spend lessToday we can buy anything, anytime and anywhere. We can get any information from newspapers, television, books or the Internet. At this speed, consumers are losing patience. Developing the method to avoid excessive spending and learning to control impulsive spending becomes a necessity. Today, the average family credit card debt is nine thousand dollars (Ariely 110). This is surely proof that financial responsibility and education are necessities in today's financial environment. But with so many ways to spend money, many are learning the true meaning of being patient, which is a virtue. After reading chapter three of “Predictably Irrational: The Hidden Forces That Shape Our Divisions,” “The Problem of Procrastination and Self-Control: Why We Can't Make Ourselves Do What We Want to Do ”, written by Dan Ariely, gives us some advice on how to control ourselves. He was teaching at MIT researching student self-control and procrastination. The ideas I gained from this reading are that I can save money for unnecessary items by simply using the prepaid card and creating “cash hold accounts”. As you know, the prepaid card allows a predefined spending limit. Paying money in advance means that we cannot use the money that is on the card. And by doing household accounts, I can see at a glance how much I spent in a month. In the reading, the author says something important, but I think the most important idea for saving is that card users must decide how much money they want to spend in each category, in each store and each day. By deciding how to use the money, I can set a specific goal that involves saving money. I started saving my money by considering the use of my credit card. Before I consider using my credit card, I will explain why should I save my money. With the money I earned, I could buy non-essential groceries like games, favor equipment, etc. in Japan. I'm used to living like this, sometimes I have to be patient to buy stuff in America. In America, I have many situations to use credit card. The advantage of credit card is that I can pay money easily and securely. The reason I need to save my money is because I rely entirely on the money my parents pay for me..