The more one have; the more insecure one feel or the more you want.
The less one have; the tendency for one to blow it all or become a spenddrift is higher.
I speak for myself and some of the people I observed. There are always exceptions or Maybe I am the exception.
When I am in secondary school, I do not actually have a low allowance. I bring $12 to school everyday. However, the problem is, I spend 3 meals out too. I will usually only be home after dinner time. My CCA is hectic, we trained 4 times a week and the training last till 7p.m. On other days, I am either out playing basketball leisurely with my friends or going to a friend house for video games.
I spent a lot of money on drinks. Because after a session of basketball or volleyball, nothing beats a cold coke. That's how I never manage to save on my pocket money. Yeah, I know, the shame is on me. My friend brought a 1.5 liter water bottle to drink whatever he is out playing basketball with us. Strange, I never ask why my friends have money for shopping and Macdonald but I never had enough.
There were quite a number of occasions where I borrowed money just to have a drink or desert. I remembered hanging out at our favorite hawker center that sell deserts. I have no more pocket money, my senior told me to just order, he can lend me the money. I felt quite pie say, and asked if he is sure he had enough. He said no problem. When the desert arrived, he didn't pay for me. I was very embrassed, he was just playing a prank on me, and shouted in front of the auntie, "aiyo, no money also order!" He laughed and then paid my share. Come to think of it, I super no backbone then, I am sure I will rather starve or just walk away if I have not enough money now. Anyway, I hate that guy. I reminded myself never to do that to anyone.
My spending habits remain very much the same even when I was in the first year of NS.
My NS allowance will be spent within the first 2 weeks. Leaving me having to borrow or ask dad for money. I remember borrowing money at Brunei from my platoon mate so that I can enjoy ice Logan at every opportunity at that cursed camp.
When is the turning point?
During my NS days, our vocation allowance is withheld from us until we officially "graduate". We will get our "back pay" from BMT onwards when we have our passing out parade. It's about several hundreds dollars for 10 months. The rationale was more than half of the cohort will not clear the course, now there is no more such arrangement, the recruits can have their vocation allowance too immediately.
I remember very clearly, in that month of February, my bank account shows more than 2.7 k. My first thousand in my entire life. I was so motivated. Although I did get a CD player and play station with the money, thereafter, I was scrimping and saving to grow that little "prize" of mine. When my platoon mates go to Bugis and Tampines mall for nights off, I prefer to just go to Changi point to enjoy Bar chor Mee. I don't feel short changed not following them to the town, I am not sure why I am not interested anyway.
I even offer to do weekend COS or guard duty for $150. LOL
Towards the end of my NS, when I am more free, I did weekend work and night shifts at NYDC cafe. Ya, I know how to
Make the pizzas and mud pies there LOl.
When I got married, bought house bought car, got our first baby, money become left hand in, right hand out. I struggled very hard and tried to squirrel away some savings every month only to see it gone due to some unforeseen expenses. Thereafter, I become quite a spenddrift and 醉生梦死（self-delude）again.
I realised I am not the only one facing the parodox. My relative who is very wealthy, spend excessively and more than usual after her son blow her lifetime savings on gambling. Her son clear all her debts, but still live like a king. His wedding costs is at least 4 times more than mine and he went Europe And brought back branded bags as gifts.
Some FAS students that my wife taught has the lastest phone and has SCV at home. I didn't even have SCV.
Recently, I realised the cause of this paradox is "hope". When something happens and we lost a big chunk of our money, we lost not just money but our "hope" that a better future is gone.
When our "hope" of a better future is intact, we are paranoid about losing it.
It is easier to be 潇洒，when one has enough or its "hope" is fulfilled.
Of course, values played a part too.
The paradox of money and hope. "Hope" should be priceless and the light at the end of tunnel.
But hopeless is a disease worse tha helpless. Never give up "hope"