Core Insights - The article discusses the challenges ordinary people face in saving money, highlighting that low income is not the only reason for the inability to save [1][5] - It identifies five common spending habits that contribute to financial difficulties, urging readers to change these behaviors to improve their savings [44] Spending Habits - **1. Enabling One-Click Payments**: The convenience of online shopping and enabling small amount no-password payments leads to a lack of awareness about spending, resulting in increased expenditure [9][11][16] - **2. Frequent Purchase of Coffee and Milk Tea**: Regularly buying seemingly inexpensive items like coffee can accumulate significant costs over time, illustrating the "Latte Effect" where small daily expenses add up to large annual totals [18][22][24] - **3. Impulse Buying from Live Shopping**: Watching shopping live streams can lead to impulsive purchases, often resulting in buying items that are not truly needed, thus wasting money [27][30] - **4. Reliance on Takeout and Dining Out**: Choosing to eat out or order takeout instead of cooking at home incurs hidden costs, making it more expensive than preparing meals at home [32][34] - **5. Underestimating Small Expenses**: People often disregard small expenses, believing they are insignificant, but these can accumulate to a substantial amount over time, emphasizing the importance of valuing every dollar spent [36][38][41]