Earn more than you spend.
Simple but true words, alot of people don't really get that thats why falling into debt is easy and the economy doesn't even make it easier cos alot of people earn less than what it takes an average man to survive, the bills are endless even when you are not extravagant.
Only recently Nigeria was said to be out of recession but that was only in statistics because the masses are still drenched in poverty, the economy is still so bad alot other countries face same issue, but everything still balls down to spending less than what you earn, really good point SK!!
The formula works most of this time JJ. And sometimes you just need to survive. As long as you understand the concept as you do - you will be able to apply it most of the time. SK.