Every year from family and friends on Thanksgiving Day I had to hear "I can't believe you have to work tomorrow. I'm off the entire weekend!" they'd croon. I hated it. I knew that they would be in various stages of enjoyment of the day after the holiday; shopping, relaxing and eating more of those great tasting leftovers.
Here's the problem: Once you get paid, your money has to go several places at once. Bills need to be paid, credit card balances need to be settled, groceries need to be bought, perhaps even some nonessentials, too -- and, in all the shuffle, the money that you should be saving becomes your discretionary income.