4. Curb your Spending
You can’t be a big spender and a big saver at the same time. If you spend more than you have the difference will have to be borrowed and thus the cost of debt begins. Take your time when spending as the purchase of many consumables relies on impulse buying. If you cannot get a handle on your spending, make a note of your purchases for a set period (e.g. a month) to get a true perspective of your spending habits.
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