One of the main problems in Venezuela with money is not the lack of it, but rather the long-standing habit of spending it happily, in the style of the transporters or the fishermen, to name just two, without thinking that tomorrow there will not be any, and if so, then they resort to Plan B, borrowing. All your advice is extraordinary, I hope some fellow countryman can take it. 
RE: Recommendations for Improving Relationship with Money