7. Increase your income is a good habit.
Learn how to improve your skills, earn higher pay or how to get a better job.
8. The best way to save more money over time is to increase your savings rate every time you get a raise.
9. Don’t use debt to pay the debt. Refinance or debt consolidation is only reshuffled your existing debts. Plus, you will incur additional fees of about 10-12% of your total loans (ie. Legal fees, MRTA, valuation fees, etc).
Instead, choose to clear the debts.
10. Automate everything. The best way to save more, avoid late fees, and make your life easier is to automate as much of your financial life as possible.