Are you having a hard time paying all the debts you have once you get your salary?
Do you feel like you residual income is not enough for your day to day expenses?
Do you want to find a way in which you can avoid the unnecessary debts?
One way to do this is to establish the goals that you want to achieve at the end of the month.
Establishing goals is one of the key elements in doing this because by that, you have a thing to focus on.
It is somewhat hard when you do not have a goal because you do not know what you are trying to chase.
When you plan your goals, make it simple and achievable.
Do not make it so high enough that it would take you years to achieve.
Just have goals that you can do within a short period of time to make it highly successful.