Spending money is fun and it can make us feel powerful, sexy, in control and in charge. Alternatively, saving money can seem prudish, rigid and antisocial. Most people are so terrified of coming across as stingy that they continue to spend money that they don’t have, just to keep up appearances. But, we shouldn't be too hard on ourselves, because managing our money is a skill that we continually learn as we progress in life. We still need to start seriously thinking about money – so, here's the a way to start your journey to financial freedom in just 45 minutes.