When you are working over time but yet you do not have any money in your saving, then you do not work smart enough. When you are working two jobs, but still can not pay the bills, then you do not work smart enough. Sounds familiar? If you want to help yourself, read on.May be some of us has heard this term over and over again, and some of us haven’t. But what is that really means?In our life, we usually heard about the old phrase from our parents that are saying, work hard then you will be livin.