If managing your finances has become tricky, you're in luck. A friend has some good advice that you should listen to. You might not like the sound of it at first, but once they tell you the impact that it has made on their money situation, you'll be a true believer! If you want things to change, you have to be willing to put in more effort. Self-discipline isn't always fun, but it is always effective. Take notes and get ready for some changes.