There are many rules when it comes to saving money, some of them seemingly more obvious than others. You should be able to bring such rules together as they are told to you, whether by parents or whom have you. That being said, it’s possible that such steps – as obvious as they are – may not be as followed as they should be. If this is the case, I think that a debt agency will be able to tell you about these and the actions needed to focus on them the most.