Sometimes we envy those people whose finance is ______1_____. In fact, all of us can use our money in a better way and keep more of it in our pocket. The way to good finance is careful ______2______ of our personal finance. ______3_____, we need to spend less than we earn. This is the fundamental money skill and ____4____. However, many people never learn to do it. Things will become much easier if we ____5_____ our spending and develop a budget.