Personality first

Before trying to solve our problems we need to start with the issue of selfdiscipline and change our personal bad habits.
One of the worst habits we have embraced in the last decades is the habit of spending more than we earn. We take more than we give but there is no problem, says the bank officer, You will pay later.
We doubt for a while, but we say: Com'on everyone is doing it so it must be a good thing. Soon it is in our selves, a deeply rooted habit.
And a habit is a habit, it is wired deeply in us and we can not control it most of the time.
Face it and replace it, it will take some time, but it is worth the effort.