I am going to provide you with the list of 7 habits that will really help you in increasing your bank balance. Increasing your bank balance is not a rocket science, it just requires patience and few changes in your lifestyle, I am sure most of us are already aware of these habits that I will be discussing in this answer, but still we never paid much attention to their strict implementation in our daily lifestyle. Out of these 7 habits even if you can adopt only 1-2 habits as well, then also you will see a huge increment in your bank balance, So let us discuss about each habit in detail. It is strictly advisable to not take credits or loans unless it is very much needed, If you are taking a loan either from bank or from a friend then make sure you also have a plan to return it in future. I would personally suggest you to not develop a habit of taking loans for unnecessary things like shopping or buying things which are liabilities. Always have a habit of writing down your expenses and to analyse them after a month, you will have a clear idea of where you should be doing cost cutting. I share my personal experience with you all, When I was not writing down my expenses I had the idea in my mind that most of my expenses must be because of eating outside in restaurants, but when I started maintaining my accounts I realized that most of my montly expenses were because of fuel filling into my car, Since that day I started using public transport more than my personal car. Friends we usually ignore our health when we are young to earn more money but believe me, I have interacted with lot of successful people in life and they all agree that investment in health is one the major reasons for their success. You can join gym, do some basic yoga, eat healthy vegetables and fruits etc. I would suggest you to not keep your savings just in savings account, because its value gets decreased because of inflation in the market, you should always invest your money. There are many ways of investing your money like, FD, RD, insurance,mutual funds etc. With the change in trend in the technology there are lot of job shifting is going on for eg. few years back job of a typist was very much in demand but these days everything is automated, therefore you need to learn continuously and keep yourself updated with the demand of skill set in the industries.