Financial stability is based on our income sources and bandwidth. Having a systematic approach in handling finances should be followed for secured living.
Every month, one needs to record expenses and reconcile their bank accounts. This type of budgeting can be helpful for the long run.
If you want to buy anything online or in physical stores just to satisfy your wants or desires, think about whether the money spent on the product or service going to really add value to your life. If not, then you can delay the purchase and instead focus on what are your current needs that needs finances.
Investments in various forms would be a good idea than keeping all the money in one bank or one fintech company. Having two-three bank accounts and opening fixed deposits, recurring deposits, national pension scheme, LIC policies, gold investments would be a far-better idea to expand your investment portfolio than restricting it to one or two methods.