If you're not saving enough and I tell you to start saving today, you're not going to do it. Instead, if I tell you not to save more today, but to start saving more only when you get your pay raise in the future, you'll probably take my advise.
Being in debt is one of the situations that everyone hates to be in. So, it is really important for you to learn as to how you can avoid falling in debt. In order to learn as to how you can manage debt, it is important for you to be true to yourself. However, many people are not able to follow this. I am one of such person who has learned it the hard way. Being a girl, I used to love shopping (I love that now too!!!). I used to love the cosmetics and loved to gorge on different kinds of foods. Five years back, when I had just enrolled into college, I never used to think before buying an item. But now, things have changed a lot and now I know how to manage my finances well.