I'm practicing to be more thrifty this time after so many cash advance payday loans I had last year. It's time to learn how to budget my money and spend them wisely. I am taking every possible means to save and avoid extra expenditures. I make it a point to buy only the things I really need and prefer affordable ones. I use to go with branded products but now I should be aware of the quantity. I hope by the end of the year, I can see the outcome through earned savings.