If only I had more money I could….. I don’t know how many times I’ve heard that, considered that and reflected on how different life would be today if only…. And I’m sure you’re the same. But when we look back on our life, on all the things we’ve done, all the stuff we’ve bought and those moments of impulse spending, we can see how much we have wasted by being unorganised, unplanned and extravagant,…