9. Try to improve your credit score

Your EMIs on insurance, loans applicable, kind of job you do all depends on this credit score. It also helps you to determine your marriage eligibility, phone number eligibility and limit and much more. Thus, if you are planning to buy a home, a car or any other product, or if you want to get a new credit card, your credit score should be really good. A credit score is nothing but a numeric summary of your credit wealth it is usually a three digit number. If a person has credit score above 700 then it is considered as the best credit score.

10. Try to live with whatever you have

Showing off may be the new trend today, but to follow this trend people are actually spending more and saving less. The minute they get some extra income people think of going for an exotic vacation, buying a huge property or buying a luxury car. In between all these they forget their retirement and avoid saving for it.  Few people understand that moving into a smaller house or to a less expensive region can take a large chunk out of your expenses. Even reducing the family fleet to a single vehicle or acquiring a more fuel-efficient vehicle will also free up more income.

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