This document provides tips for managing money through budgeting and savings habits. It recommends (1) following the 50-30-20 budgeting rule where 50% of income goes to needs, 30% to wants, and 20% to savings, (2) creating a shopping list and schedule to avoid impulse purchases, and (3) writing down every purchase to increase awareness of spending. It also suggests (4) automating savings by setting up transfers to bills, investments, and savings accounts, (5) getting an accountability partner to set savings goals with, and (6) learning to say no to impulse purchases by waiting before big purchases.