* Don't forget to spend only a teeny tiny of money on wants, and only buy wants when you have a budget oversupply. Needs first always.
* Increase your income. Saving can do so much.
Live within your means and stay out of luxuries in life so that you will not be tempted from taking unplanned debt. That way, you can focus on the necessities like your needs, and avoid all those unnecessary things that are not even useful at all. That way, you can expect to live within your own comfort and peace without being triggered by some unpaid matters.