maxiuc:
I go everywhere with my debit card and still don't spend

Hmm is all about decipline

Not to demean you Sir, it's about how much in the debit card also.
I also carry my debit card around but they no born me well to dey slide am into any machine.
Na hunger go discipline me if I try am

Yes

Samusu:
Noted

Your quote doesn't necessarily apply ....I know of many evil misers and they seem to be getting wealthier or still in wealth some died whilst still in wealth

According to your list i'm not financially smart. . I can just buy things impulsively eh. Ojukokoro dey too worry me

OK

WHAT OF MAKING TRANSACTION WITH YOUR MOBILE APP??

MightyHand:
That's bullshit when you have multiple source of income...

how do you then have multiple sources of income. As a beginner you must take those rules serious if only you want to grow.

Lol, @op, but most of us have our Banks' mobile app on our phones, except you are saying we shouldn't go out with our phones too.

Like someone rightly said above, all it takes is DISCIPLINE.