First, stick to the old saying: “When in a hurry, proceed with caution.” It means avoiding speculative investment schemes that come with the promise of “fast, safe returns.” Because there’s no such thing as return without risk. It’s also important to be better aware of your own needs – from winter clothing, to insurance, to your mobile phone contract. What do I really need? What will still make me happy tomorrow? If you know the answers, you won’t fall victim to every passing trend. Instead of grudgingly giving up things you like, the trick is to happily part with what you don’t need.