There are two main ways to avoid financial problems: (1) Increase your income. Do more than the effort and hard work you are doing right now. New business, odd jobs, helping others, doing other correspondence, typing, working in newspaper offices, teaching children, shopping in small shops, working in evening schools or at the cinema. Make maximum efforts for money, make plans.

(2) The second solution is to reduce the basic necessities that require money. The fewer requirements, the more power you can save. This residual power can have many uses. The lower the income, the less your requirements should be. Pride, luxury and luxury must be thrown away.

The working people often earn very much, but since they do not reduce demands proportionally to income, they look poor. Often the habit of drinking money and spending money in a budget destroys them. They are sicker, their laziness is more pressing, their household is messy and their daily work is busy. Their physical and mental state is conceivable. If they practice a little restraint and enlightenment and lead a simple life, they can be quite prosperous. The practice of austerity can give them a higher life.

Those who say “We can’t save money.” Inflation kills, they say, they don’t really want to reduce their artificial needs, nor do they want to increase income commensurate with the rising value of goods with more effort and hard work. How is it a matter of grief that we have increased our personal expenses more than our need and income.

Remember that when you spread another person’s hand for a rupee, you want to take the other person’s wages. At the same time, they also sell their self-respect, masculinity, honor, happiness to others. Asking reveals your character’s weakness and baseness. Asking is from every point of view. A lord will starve for the day, but will not spread anyone’s other hand. Those who spend money at festivals and fairs by borrowing money commit great atrocities with them.

The income of workers and people of the general category is often considerable. If they have the willpower, they can live a life of respectability, just like prominent middle-class citizens. Who deprives them of getting up? The reason is that they don’t use their free time in developing their brain, learning new things. They have enough money. They must learn the difference between sense of self, artificial and real need through mental development. They must learn culture and civilization. They must learn that the position of man in society depends not only on money, but also on purity of heart, honesty, service, courage, good faith, honesty, sacrifice, generosity, benevolence.

Think of money as a means to happiness. It gives happiness in life, but you get everything from money, so that’s not the case. Life is many, there are many aspects, you have to exert your powers in all these directions. People who are busy day and night with the worries of making money and keeping the money together, they never get inner peace. They don’t know how important things they destroy in this earning tune. Health, happiness, friendship of true friends, warm integration of the couple, children of the house are more important than children and money.

There must be an expenditure of decent funds to earn. Reduce greed, money cravings and worries. Happiness is not in money. Yes, rupee money sometimes simplifies the path of happiness. One should spend time developing the virtues of the soul by saving time with hi-hi of rupees. Build your character so that there is never a shortage of money to meet the right needs, and there doesn’t seem to be a need to spend money on the mean luxuries. Working with money is not fun for a while; improving the physical, mental, economic, social, moral and spiritual condition of every human being.

Extravagance is a disease. Great nobles have become poor because of this. It’s only good to leave it. Only the calculation of the household budget, income and expenditure can be leading. Too bad people have knowledge of their income, monthly salary, but what was spent today? How did it happen? Artificial supplies or luxury entertainment? Did it bring lasting profit or not? Where are you coming to spend tomorrow? If nothing happens in the hands, who will take the loan? To whom shall we spread our hands? – We don’t even think about these questions at all.

Do not be afraid of low income, but spend it carefully. Keeping a budget carefully and living a moderate and systematic life by keeping your requirements in mind is the secret of efficiency in life.