For one, when you earn money, make sure that more than half of that will go permanently to savings and the remaining will be for your personal expense because you need to live within your means. If you really need to buy something, think whether or not it is important. If it is, then buy it. And if it is expensive, use a credit card So that you won’t spend one time big time.

Another is that, make sure to budget your expenses in terms of what you buy everyday. Keep track of it. You should allot a specific amount of money for each of your expenses like for food, for clothes, for transportation, for communication and the other things you need to shell out money for.

All other else, I think, it’s common sense already!

But good thing is that I was able to recover due to the help of my family members and some friends. What I am trying to say is that, do not hesitate of asking for help from friends and especially family members because they are the only ones who can really help you and of course you should take into consideration that you should help yourself in doing this because if you don’t, the help provided by your family and friends will be useless. Now, I am talking from experience!

Great job guys!

Thank you for reminding me that I can still do something about this. From this day onward, I’ll try to focus, set my priorities, keep track of my expenses and I might even ask the help of a professional whom i can learn from and help me get through this. Thanks a lot!