Hello @vvarishayy
It seems like a lie, but what you said in point number 1, I have a recent experience. I don't own my own house, I live in a rented house, and I pay rent for it, and I have to pay on the 2nd of every month. In my job they are supposed to pay on the 30th, and no. I often get paid on the 2nd of the following month, I always collect coins in a glass container similar to the one in the picture, every time I come in from the street, I put them away. I had something collected in bills, but not complete for the lease, I remembered what I had saved in coins and completed the lease... yes, doing that thing of saving even if the coins are, is a great weapon for our finances.
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That is an example of compound effect. My uncle had a box in which he used to save some money and he saved 100000 PKR. Isn't it amazing