Make a budgeting plan and stick to it.
Keep track of every penny you spend and make any adjustments.
Bill payment should be automated.
Pay the whole amount on credit cards.
It is never a good idea to use a credit card.
Don't take out a loan if you need money immediately now.
Put money aside for emergency fund.
Set aside money for retirement.
Invest in highly liquid and low-volatility funds.
Gold, bonds, mutual funds, and exchange-traded funds are all good investments (ETFs).
Spend in accordance with your earnings.
Make a habit of putting money aside from your wages.
Put the money you've saved from your salary into something productive.
Pay in cash as necessary.