If you were offered 1 chocolate bar now, 2 but not until next week, 4 next month, or 10 in two months, all for just 10p, which would be the better value?

As long as we have enough to pay our bills, what we do with the rest of our money is up to us. But we would be wise to save as much as we can. We must also know the difference between needs (food, shelter etc) and wants (latest phone, etc.).