What type of pain and costs are YOU willing to embrace?

I am an independent person and I have learnt to make my own decisions and learn from them, from the very beginning. During 1st year of my university, I was kind of careless person. I used to not pay attention on all possibilities and used live in my own small world.

One day, due to my own carelessness, my cell phone was being stolen from my room and afterwards I realized, I should had be more attentive and it is a big mistake that I have made. Anyhow, my pocket money was very limited and I was not even able to think about buying a new cell phone. I survived for few days and then, I made a deal with a friend. I bought his 2nd hand cell phone for 5000 PRS but on installments of 500 PRS per month. So, the next ten months were very difficult for me to manage all things in limited pocket money. During that ten months, I used to control all my needs, like hang outs and buying books. I used to borrow books from my friends and used to read their e-versions.

One wrong move could simply messed up my whole financial planning for the rest of the month, so I used to be very calm and sacrifice additional things and always remembered my mistake of being so careless.

After that period, I learnt how to control my desires. Now even after 4 years, I am in habit of spending less money on many additional desires and always save money for some worse scenarios. Now I can manage things comfortably. Surviving in low budget in not a big deal for me.