16) Make a debt repayment plan.
I do not have debt.
17) Know the things you don't care to spend on.
- Night life
- Fast cars
18) Pick a hobby you can monetize.
19) Quit an expensive habit.
- Buying lunch / dinner from fast food chains / canteens instead of bringing lunch / dinner
- Photocopying cases instead of reading them from the internet
20) Maximize customer loyalty programs.