Most likely to begin to analyze your finances and see their situation in more detail comes to the conclusion that could not be worse, that is excellent, record and remember what he feels in his memory and commit to that will study and comply with a plan for economic success to benefit him and his family, starting with work on the habit of saving. We do not say that it is easy or simple, save has always been a difficult practice habit. Probably will be thinking of you with their income is something little more than impossible, but I assure you that if today to double your income you double your expenses and continue with the idea in mind that save still is out of your reach, would be so you will notice that it is rather a question of goals and discipline to save part of their income and allocate them to their savings. Savings even if it is difficult it is possible. If carefully studied their expenses on a daily basis, registers them and scans you’ll find in them that some can reduce or eliminate without which is why his life go to change dramatically, because there are actually spending potential of eliminating or reducing to then dump that money to savings funds in the life of all of us. Daniel Lubetzky describes an additional similar source. Provided as a reasonable figure to start 10% of its revenues, which will be separated before anything else and as a first step. Of course, this money with the passage of time and after having consolidated their habit will reach considerable amounts, so it must be wisely invested to generate more revenue that will be increasing and investing in a convenient way and without allowing that they are spent on some whim or purchase that makes it simply disappear. You must invest assembled properly, but nothing will have served our work and produced savings.