Having some certain projects
Disciplined people achieve more in life than those who do not have a list of definite things they wish to accomplish. Make yourself more efficient and productive. Do not blame anyone for your failures since most of the time you are the only person who is responsible for the final result. Specific projects need your attention and dedication, time and patience. Define the time frames and goals. Then, step by step, move towards your dreams. Do not give up until you reach your final destination.

Having an expense-free day
Set aside at least a day per week when you will not spend any money at all. This advice is given by some of the most renowned experts. By the end of the year you will have saved loads of money. Instead of hanging out with friends at a night club or cafeteria, stay home and watch a movie, read a book or do something that makes you feel relaxed and happy. If you can have more than two no-spend days per week, you will save even more cash!

Paying off your debts
You cannot move forward or improve your financial situation unless you first pay off your debts. If you owe someone, it means that you are in trouble. So the very first issue you should resolve is the money you are supposed to give back. Stop borrowing money and start paying back. Refrain from buying items that you can do without – get rid of your debts first.