2. Set Goals

When you have it, you need to strategize to keep it and grow it. Sit and find out what exactly is financially secured means to you. What kind of life you want when you are retired and have little wealth left with you. Discuss this with your partner as well, because you both are on the same boat now.

When you sorted out the maze, you need to strategize the way out of it as well. Set a specific goal for all your planning’s like buying a house, car and a good educational plan for your child. Your goals should be tangible as well so that you should be able to manage your family in the time of crisis. Your buying a car should suffer a lot because of the accident which you might have met last month.

Also Read: 21 Traits What Rich Have But You Don't

3. Maintain a Spending Journal

Check where you are actually spending your money. It’s good to keep a track of your money so that you don’t regret when you realize how much money you wasted. Keep an expense record for three months to find out the average amount what you spend. Once you know this need of yours, you can easily restrict yourself from your bad spending habits.