Saving money is right up there on people’s lists of difficulties, alongside the likes of quitting smoking, turning down a chocolate bar and forcing themselves to get to the gym to make the most of their expensive memberships. However it’s actually saving money which causes people to lose sleep and even get ill even though it’s something that you can learn to do from an early age. When you start to receive your own pocket money from your parents you don’t think “great, that’s going in the bank account.” You initially think about what you’re going to buy, a thought…