Get rid of addictions/habits: addictions or habits (in mild cases) are harmful not only for your health, but also for your finances. Cigarettes and alcohol are responsible for consuming a large portion of the income from individuals living on minimum wage. It's not that unsual to find people spending at least 1$ on cigarettes daily, what after 1 month will result in 30$ expenses, which could be going into bitcoin investment, for an example.
As someone who has seen people living on the line of poverty before, I can tell you that this step is extremely tricky.
I am talking about people whose one of the few escapes from reality they had was smoking, drinking or gambling, most of the time as a social activity to relieve their struggles. They do not even bother to count how much money they spend on beer or cigarettes, by the way.
I recall certain case of this man who used to smoke so much that if he stopped smoking for a day he started to feel sick, flu-like symptoms.
I guess thats because that man is simply closed minded. Although I have often hear same instances like that, but to put it in general, those kind of people are just afraid to change because they think they would still fall on their vices again later on. And as what I have often observed, those who fall for different vices are usually those who have no permanent jobs, as they have more time for their vices than to look for a stable source of income that will make them busy with and that will give them a good income.