One of the keys to a sound financial strategy is spending less than you take in, and then finding a way to put your excess to work. A money management approach involves creating budgets to understand and make decisions about where your money is going. It also involves knowing where you may be able to put your excess cash to work.
Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.
It sounds simple, but paying yourself first can really pay off.