I'm not a psychologist. In college, I took a Pop Pysch course to assist me in the customer service field. We read How To Make Friends and Influence People (I kid you not). I neither made friends nor influenced people. Psychology interests me, but it's not a field I wished to pursue. I'm a scientist and a customer service person. I study seals and how to make people smile. So all of this is absolutely unfounded postulation on my part. If we're listing things I have not studied, we should also include personal finance. I have a good credit score (mostly out of luck), but very little money in my account and tons of student debt. My method of saving money has always been to just lose it and find a happy surprise later. (A few months ago I found my $200 summer 2013 bonus tucked away in a DVD case. We went out and bought two rib eyes for dinner.) I don't know how to save money well, but I know I need to. So, logically, a person saves money by not buying things, but p...