1. Be careful with loans.
2. Focus on quality rather than brands.
3. Avoid unnecessary expenses.
4. Don't invest with borrowed money.
5. Be careful with home improvements.
6. Opt for inexpensive takeout options.
7. Choose cost-effective vehicles.
8. Pursue a career you love.
9. Use cash.
10. Look for discounts.
11. Don't upgrade unless necessary.
12. Clip coupons.
13. Refrain from smoking and drinking.
14. Avoid the risk of gambling.
15. Have a simple wedding.đ (or don't get married)
