Fix your money in 3 simple steps.

1. Write down all your expenses as they occur for a month to find out what minimum amount you need for living per month. Now you can keep that amount in your current account every month.
2. Turn savings into debt reduction. Instead of saving you should pay your debt. The money that you save from the debt’s interest will be bigger that the money from your saving account’s interest.
3. Reduce your credit card. If you can’t afford, do not buy! Save the credit card for large amount of spending or emergency case.