The most common mistakes of other person is not saving their money in the bank. When a person holding much money on hand sometimes they buy all they want. It is like they dont control themselves in buying not so important things. They must know how to manage their money to be ready for emergency purposes.
they must make a list contain their daily need.if they dicipline with this list, they control their personal spending.no useless thing they buy.this is the easiest way can do.
i do think that personal discipline is the key to all that, besides we make notes, i think it still needs regular training, so we can control ourselves thing for less needed. besides, choose people to remind us