not having an emergency fund to avoid this , you need to setup an emergency fund equivalent to six months of expenses keep the emergency funds separate from other money – pre
automate your savings – for retirement , bills , credit cards , etc – this way you will never miss your payments and have a good credit score cut down your expenses 
have a plan for your money – budget – track where your money is going invest for a long period of time – don’t get distracted by get quick rich , flashy sch
calculate your future needs evaluate your spending eliminate debt setup an emergency fund invest earn extra income track your progress
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not contributing to a tax savings retirement plan that the company offers free money into not having a retirement income strategy – passive income , investment income , or a
as per an expert study , these are the personality traits risk tolerance emotionally stable open – they are more agreeable extroverted – they like people they want to b
track your expenses in an excel file – this way you will know where you are spending cut down on your expenses like eating out , big cars learn to save and invest 70 % of you
instead of renting a 2 bedroom apartment , they decide to stay in a 1 bedroom they chose to rent a place where you could walk to work – thus avoiding the need for a car , pet
cut down your expenses down the bare minimum .. cut tv / cable , switch to cheaper subscription services like netflix , amazon , hulu switch from a post paid subscription plan to a