one thing lacking is financial discipline.You just have to work on your spending.work with a budget and stick to it.List the things you will need for the month and set the money aside,and then keep the remaining in an account that would be very difficult to withdraw,possibly without an atm.I am a business person but if I see something new like electronic clothing or accessories I always want to buy it even though the item is not really important to me so I want to ask for help on how to make my finances stable because it seems I am quite a person extravagant