Saving money will get you nowhere what you must learn to do is understand money as a commodity, interest as a cost. For instance, if you borrow 100,000 to buy a property and it costs you five thousand to service the loan, assuming you have bought well and the property increases in value by ten percent you have made 5000 profit.
THe same can be said of share portfolios, learn to understand the way to wealth is not by saving, but by renting the money other people save, and the interest you pay is rent. You dont want to own any asset, you only want to control its income. Never borrow money to buy toys like cars tv,s etc that is what keeps the poor poor.