How to manage money ?

Have you ever wondered why are you not able to save money! The answer is financial planning on regular basis. Here I will be listing 5 habits which are probably preventing you to have no money till the month ends. 1. Having 50% debt of your earnings: Well! Try to minimise the debt you are compounding every month; do not buy anything which can be bought only if you take loan specially when you have other commitments. List out the priorities and major thing where you will be spending most of your salary and how much are you left with. 2. Avoid using credit card: This might be sounding easy however it is little difficult to Avoid it sometimes if you have been using it for long and have active debt. The reason I do not prefer credit card is at time it makes you feel capable of buying things which you are actually incapable of. 3. Get a habit of saving: As mentioned earlier after paying all your debts try to save at least 20% of your remaining Balance and transfer the amount t