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1. Track your monthly spending – and do it rigorously for at least 3 months. 1.1 After you've tracked your spending, break it down into sections (necessities, bills and utility, etc) and identify which ones you can cut down. 1.2 Put a cap/maximum budget for each section and be ruthless about it. ^ Basic personal finance in a nutshell. 2. Quality > Brand. I was once trapped under the false notion that known brands = high quality. Knockoffs can be pretty solid too. This is not to say that you purchase the cheapest item–but choose the one in the pricepoint you can afford that has the highest quality. 2.1 Read testimonials and really research about any item that will be used long-term (gadgets, furniture, etc) but if you can apply this mindset to smaller buys (laundry detergent, cooking oil, etc) then your expenses will be much more predictable each month. 3. Have a different bank account for everything. This has helped my mentality immensely. When I get my salary–I transfer it to different banks before I do anything. Helps to be organized. 4. Earn money off the side. More often than not, your main income is not enough to satiate your wants to a level where you feel happy and fulfilled. My side hustle was dropshipping–but just about anything you can do in your free time that earns extra $$$ is more than enough. Trust me, it adds up.