1. Don't spend without a plan
- Many people don't care or just don't care about spending. They don't care if they have extra money or if they have money left over until
the end of the month. Then they will complain that they don't have any more money because they have no idea how and where they are
spending it. And how many times have you gone shopping or grocery shopping without a list, which ended up costing you more because
you didn't have a plan?
Because if you want to save something or have some money, you should keep having plans when it comes to what you buy.
I agree that spending money on unnecessary things without a plan should be avoided. But spending money on urgent needs should be okay although you didn't plan it. Urgent needs like "spending money for medicine when you get sick" isn't planned previously, but it should be done because it is a crucial thing. Urgent needs are very possible to happen at any time, that's why we should have reserved money for this matter.