A lot of it is self control and that doesn't necessarily mean living with the least amount of money possible. It just means understanding how much you make and

A lot of it is self control and that doesn't necessarily mean living with the least amount of money possible. It just means understanding how much you make and how much you can afford to spend. The first step is to track your incoming / outgoing financials. Just like programming, in order to fix the problem you need to understand what the problem is and tracking your $ for a few months will show you exactly what's going wrong.