With Property becoming less of the golden-goose egg we've made it out to be, people are focusing more on how else they can be financially stable - and with that stability, comes being disciplined with your money - and keeping your spending affairs in order.
But how can we do that with loyalty programmes encouraging us to save? and mid-year sales going around?
How do we keep our eyes on the long-term goal, and stay on track with our savings?
Where should we even start, if we're so far behind?
Author of Money Matters, Finance Specialist and Mentor Amanda Morall - joins the Weekend Collective to help out.
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