Have you reached a stage in your life where your expenses are increasing day by day and you have to manage your expenses within your limited earnings, wherein the earnings are not increasing in the same ratio as that of the expenses? This is a matter of concern for many to overcome this situation and have a good living. So to overcome this situation, you need to plan for your future and reduce your expenses. You should reduce the expenses which you feel that you can do without it easily. For example you may have subscribed for a service which you don’t need presently but you have to pay for it every month. You have to reduce such wastes.