I never used Credit card and never experienced Credit card bill shocks.
I spend 50% of my earnings, save 30% and invest remaining 20% (New learning and develop my skills, Stock, SIP, Mutual fund, Real estate)
Minimal spending on my health as i do daily Exercise, yoga and meditation along with proper diet and sufficient sleep.
I regularly get promotions with increased salary in my career due to my hard work. This ultimately increases my savings value.
Additional source of regular income by letting one of my home to rent, Training’s for students during weekends, Bank interest on the fixed Deposit
I have never compared and changed my lifestyle with / for others (Society)
If i really have a need to spend and purchase, then i look for the quality of the product, but not money.
Most importantly I always keep in my mind that Happiness is my first priority. I save or spend based on it.
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From @steemitcommander