I know that it might not be always possible to have savings each month, but it definitely helps to have at least a little extra money. Every time I manage to save extra money, it makes me happy. It makes me happy to know that I can have peace of mind knowing that I have more money than I spend. I know that I could always use a credit card if I wanted to cover some extra expense, but being able to do it without having to resort to a credit card is so much better. I encourage you to make sure that you have at least a little savings each month. This should already make you feel better.