If you use an air conditioner in your premises, make sure you put in a few degrees low to keep the high temperatures cool and avoid pilling up your monthly bills.
When its cold and you want to heat your rooms, close all the windows and doors to avoid losing excessive heat.
However, remember to put off the heater immediately the rooms gets enough heat.
Have a limit when using electricity devices to minimize bill expenses.
If you are one of those people who like drinking too much, take one or two beers a day.
Stop accepting free beers from your friends because after some time, you might get tempted and buy more beers than you had planned.
To avoid beer is the best option since in the long run, you will save more money than you could ever have imagined.
Cigarette smoking is a health hazard to human beings.
You can also become addicted to cigarettes if you smoke for a long period of time, hence making you put more money into waste.
Cigarettes are also very expensive and if you are unable to stop smoking, have some limitation.
One thing you should know about cigarette smoking is that it can cause tuberculosis infection hence increase your financial problems.
You might be one of those people who like gambling, for instance playing in online casinos because its not offered free.
Stop it for now and keep that money for better use in future.
Stop or have a limit when spending your finances on things you can do without to ensure a good credit score.