If you want to make efficient spending, then go and follow the money. Most people are not truly aware of where their money is going, and that is the problem. If you ask me, people need to understand and take command of where their money is going. Of course, it is going to be hard for people to do it, but I know that we can all do it. It takes a lot of discipline, but you can easily do it.
Someone once criticized me on Pinterest about not reading enough. I read and write about good vs evil and right now, that's all I have time for. My favorite books are the Bible and anything written by John le Carre.