Earning money is a skill, it is considered as the result for our hard work. At the same time saving hard earned money and using it in the right way is also very crucial. There are many who are good at earning enough for their needs but do not spend it rightly. Do you want to be one among them who actually saves some money from their every month income? Then be ready to contribute some money from your everyday expenses. Yes, it is true. Small amount of money will actually turn into big cheques during investments. Every penny you save should have the capacity to earn return through investment and this is where you will be able to meet “time value of money”.