Spend less than you make.
I always put something into my savings first. Then I start the process of paying and allocating for house payment, utilities, food, clothing, etc.
Going out to dinner and recreation are always last on my list. Your dinner can be something cheap and simple that you eat in the park. You can make your own inexpensive recreation. You can eat very inexpensively.
Build your nest egg.
If you need to spend money to be happy, something needs to change in your life. If you need more money, get a second job. Don't charge and borrow. It leads to heartache.
Money in savings is power. You can make decisions that aren't associated with panic and stress.
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