Money is never enough and will never be enough, human beings always want more.
As we grow up responsibilities "increase' but money become "less". Due to poor backgrounds in South African it is often difficult to support self as culture requires some people to support parents and extended family members first.
Overspending or misuse of hard earned salary causes anxiety, most working people are drowning in debt, payment of school fees, transport, unnecessary accounts and other financial necessities often lead workers to taking loan after loan, "credit become order of the day".
Financially it is not advisable to take loans and credits. implications of debts and owing leads to a painful stressful life, often divorce or suicide.
Employers often have to deal with unproductive employees or members absenting themselves from work due to lack of transport money, furthermore, crime related incidents like theft of state property, negligence and misuse that leads to damage and losses are often caused by workers who cant manage their salaries.
New proffessionals are not given good financial advice and end up living beyond what they can afford. different government departments must introduce financial seminars or financial advisors for older workers and new employees as a plan to create a debt free society.
Investing "small" amounts of salary is a great start, it is also advisable to buy propety when you are young rather than cars, credit cards and enless clothing accounts.
Credit can be viewed as lack of discipline,if you are discplined save and buy cash. Finaly difficult as it sounds live within your means by all means.