9. Save more
I think it’s useful to make such decisions but it can be difficult not to spend your money on a lovely outfit that you have just seen in a store. Many women spend lots of cash on unnecessary things, which they don’t even need. Try to be more economical next year. Take not so much money when go shopping. And never take your credit card if you need to go out for a couple of minutes. If you want to purchase a garment you are very fond of, think twice if you do a right thing. When you think once again, you will buy nothing and will do much better for your budget.