Avoid credit card debts at all cost. You can use your credit card for points, etc but pay it off each month. If you’re in a position when you cannot do this, use cash.
Earn more than you spend. If you earn more, you can spend more. It’s a way to keep a balance of saving for a vacation, retirement without sacrificing too much. You can find awesome ways of traveling on a low budget. Alternatively, get a higher paying job or work on a side hustle.
Do an annual net worth statement. This will force you to make sure a your financial portfolio is growing compared to last year.
Write down your goals. Read it at least once a day before you go to sleep. It will work wonders and seep into your dreams and help you actualize it.