1.

save something for a rainy day

Any financial adviser will tell you that you
should save six months' worth of your
income for a rainy day.

2. spending habits
Practice good spending habits is essential no
matter how much you earn.

3. budget
We'll have to work out a budget so we can buy
a new car.

4. needs and wants

By creating a budget that splits between your
needs and wants, you’re giving yourself the
opportunity to see all your expenses and
evaluate what you actually need, versus what
you really want.

5. financial plan
Life insurance is an important part of any
family's financial plan.
6. saving goals
If you're new to saving, try starting with a
small or short-term saving goal.

7. overspending
Overspending diminishes your cash flow.

8. cash flow
A positive cash flow gives you room to save
and invest.

9. expenses
Tracking your expenses is one of the key
factors in making your budget work for you.

10. spending trap

Common retail spending traps included
promotions, coupons and memberships.

11. self-control
Possessing a sense of self-control somehow
helps people to put aside money instead of
spending it.