Unfortunately a lot of people operate based on the concept of earning 1 and spending 2 (currency to be added) or spending before earning. However, there is one thread that is simple and yet so difficult for the majority to adhere to: it's discipline! It applies to health, financials, you name it.
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The facilities of Credit Cards are luring and they tempt people to spend the money they do not possess and then land in situations of debt.
Very true discipline of saving is important right from younger days. Finance people still take it seriously but health has to go a long way.