Take wise decisions...don't take any loan...if you have a small loan, borrow from friends and pay out the principal or if it is a car...sell it...don't think of expensive marriage, save on big things not small...don't be penny wise pound foolish....dont need to send kids to very expensive school..we all studied in public schools and did good.....think long term, decide priorities..e.g. home loan for parents, corpus for their retirement, your business etc. uske alaawa big spend mat karo...100 200 rs bachaake kuch nahi hota..keep your head clean, work on skills...keep routine schedule and excercise