your means is always a better idea to be good
Living within your means is always a better idea to be good in money management. If you think that you cannot afford something at a particular moment in time, then it is better to drop that idea. For example, if you are staying on rent or have own house, then you can opt for a cheaper apartment or cheaper house which can save you a lot money every month. A decreased rent payment or mortgage payment will enable to have some extra cash with you which can be used for other obligations.