Spend less than you earn

The most simplistic, fundamental thing to learn about money - spend less than you earn. As long as you spend less money every month than you earn, you will never go wrong. It’s such a simple concept - I can hear you all saying “well DUH” through the giant tubes of the internet. But the fact is, many many people don’t follow this simple rule. Spending more than you earn every month is a guaranteed way to the poor house, and possibly even bankruptcy. If you’re not tracking your spending each and every month, then there is no better time to start than right now.