Proverbs 21:20 says:"There is treasure to be desired and oil in the dwelling of the wise; but a foolish man spendeth it up".
Most of us spend all what we have without any investment. If you spend less than you make you will always have surplus. Give 10% to God as tithe, Live on 70% of your income, use 10% for Kingdom giving, and 10% for Investment.
By following this principle you will live a life of no debt, and no borrowing.
Have a glorious weekend in advance.