Spending money or saving money? This is the ongoing battle between present and future self. The battle can be unfair as your current self can be stronger than your future self – and this applies to money as well.
It can be the battle of knowing what you need to save for a comfortable retirement or spending every financial reward that comes along (like a tax refund).
This video has an insightful way of demonstrating different lifestyles for our future self (retirement). So maybe salary sacrifice might be something to consider or using strategies to eliminate debt faster.