#9. Set up automatic payments
Like automatic saving, there is also an option called automatic payments, where you can pay your bills automatically, so you won’t miss paying a debt or a bill anymore, and you will be saved without getting charged extra bucks for interest and late fees.
#10. Freeze your credit card
Don’t let your desires take your money away. If you own a credit card, then you must think that you own the key to open the gates in heaven. Well you don’t, you only own a bunch of debt to pay at the end of the month. So take care of your own desires, and turn it into a habit to not use your credit card very often.