Do personal saving before paying expenses.

Every time after receiving your payroll, set aside a fixed amount of money and put it in your saving account before working out on the bills and what not. This will do two things:

1) Ensure that your most important asset (your saving) is in a positive and an increasing value every single month.

2) Now that you have a limited amount of money for expenses (payroll minus saving), you will start to properly manage your regular bills and other expenses. You’ll think twice before subscribing to another product or buying a new gadget or eating at that particular restaurant.

When it comes to this, you come first before others. Pay to yourself before paying to others.

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