There are a lot of people who don’t track their expenditures and thus are not aware of how much they’re spending and on what. As a result, some of them end up emptying their wallets even before the month ends. This leads them to either use credit cards or borrowing funds from relatives or friends to get through the month. In results in an unending loop of borrowing and paying back. So, here’s how you can fix it! Follow the budgeting mantra, i.e., Income - Savings = Expenditure. Meaning you’ve to first set aside a part of your income for savings and investments and then use the rest for your monthly expenses.