As for those guys who are managing to survive or trying to meet thier target in life of course is very important to reduce your level of spending if you're this set of people that like spending in luxury or something that will become a liability to you, the moment you  figure out what you need to save yourself in some stress then you have to start limiting from those unnecessary spending you have been doing before so as to enable you achieve you target on time. because if you keep doing those spending at same time chasing your goal you may not be able to meet up on time, so to avoid delay we have to limit from those  unnecessary spending.