I just want to add, only buy used goods, avoid using credit cards, maintaining health is more important than point 7.
If someone has a mediocre salary, of course it will be difficult to meet all the necessities of life, often expenses are greater than income.
but maintaining health is very important, especially those who do not have life or health insurance, everyone has a different standard of living.
post-covid everything is difficult, plus there is currently a global economic crisis, a global food crisis, everything is difficult.
we are faced with an unusual phenomenon. however, overall, the points you describe are very useful for the community.
I agree with you.
Health should be the main focus. because our goal of making money is to be able to eat regularly. and pamper our bodies in order to get happiness. and one of those happiness is HEALTH. and the recent pandemic is proof that health-related factors have a huge impact on life. During a pandemic, people get sick from the virus. and that's when the economic crisis began. But from there also people become aware of the importance of maintaining health.
Always prepare savings for reserve funds and emergency funds for our health. Frugality is very good, but not to the point that our bodies become deficient in nutrients and balanced nutrition.