Keep your wishes, desires, needs, wants to realistic levels.
(If you are insecure, have inferiority complex, you tend to spend more)
Have an aim and Plan your expenses in alignment with your income
Have a personal budget
Record or account your income and expenses
Keep good money behavior
a: Don’t take loans unnecessarily
b: Don’t lend money that is kept for very important things
c: When you lend money (with the intention of getting it back), give to those who will give it back on time.
d: Always count money when you receive it from others; insist the other to count when you give money to him.
e: Keep word regarding money matters(and on all other matters- this creates credibility/goodwill).
Develop the habit of saving money: Save regularly invest wisely.
Spend your money wisely &/or propitiously (JIT). A stitch in time saves nine.