by L.G. William Chapman B.A. LL.B.

 It is a tough sell to get people to adopt an attitude for saving. There are so many convenient excuses for not doing so, but the greatest of them is the mere sense of deprivation.  In its most basic form, the conundrum is captured in the adage, “You can’t have money and things”.  The bloated metaphor of Americans generally is no accident.We are a consuming society, almost to the extent of being wasteful and destructive.  Trimming the fat from this long-standing model requires a significant shift in posture.