I want to share with you some tips to spend less and save more because once upon a time, I was terrible with money. I was living from paycheck to paycheck. I didn’t live in lavishness, but for some reasons, I just couldn’t track my expenses. I was always struggling to make both ends meet every month, and there were times that when worst comes to worst I would borrow money from my parents, which I never paid. Yikes! I had no decent savings, I had no insurance, I had no emergency fund. Zero, but I always had debts to pay. It was so stressful. Then, I knew that I…