Saving money is very hard for some people.
They cannot control their urge to spend money on things that they do not need.
Because of this habit, their residual income tends to become low due to all the debts they have to pay for.
Credit cards are one of the suspects that drag people into spending their money excessively.
When you have a credit card, you cannot monitor how much you are spending and it feels like you are not wasting money because you often see your card instead of real money.
Shopping malls are also one of the contributing factors.
It is a place that is well built and suited up so that people are blinded into buying things out of pure impulse and they end up low on cash.
It is best for you to avoid this two things so that you can increase the money left with you when you get your salary.