But here's a quick summary of the 15 ways, and my thoughts on some of these points:
"1. Use cash instead of credit card". You will realise how much you are actually spending. Credit card charges high-interest rates if the debts are not paid in full. By using case, you will be pending what you have, versus spending on borrowed money.
I think it's just a complete lack of discipline that can cause a problem. Credit cards can come with various benefits like cash-back, mileage, etc. So I don't see a problem if one is paying in full the bills every month.
"2. Write down all of your spendings on paper". Know where you are spending.
Some people need to write
...
My golden rule is “Pay yourself first”. It works for me