It's never easy coping with money issue, especially when you have family and goals to achieve. But there are some tips that could help to get rid of your financial problems:
1. Plan: Do some
financial planning. Plan your big spending at least a year before. It will be so much easier for you to do the budgeting.
2. Find better income: If you think you don't get paid well enough, you should find any other job that suit your desire and need. It's not easy, but there are opportunities everywhere.
3. Don't lose self control: It's fun to celebrate and have a party once in a while. But that one night, could cause so many problems later on. Control yourself. You still can have fun in a cheap way :)
4. Think before you buy: You think you need those new gadgets they sell? Truth is, you don't. Just think for a day before buying expensive stuff.
5. Quit Smoking: It's one bad habit that you must cut right now. Not only cigarette does bad thing to your body, it also does damage your financial. Stop it!