Living Within Your Means
Many people use credit as a source of income rather than as a convenient tool that can be relied upon in times of emergency. You should only charge as much as you know you will be able to pay back each month.
The Art of Saving
To reduce the art of saving down to its simplest form is to say: Live Beneath Your Means. Write that down. Tattoo it on your hand. Repeat it in the mirror every morning.