I posted that question on Twitter. Here are some of the responses:

"Plan what you spend; spend what you plan. Create a game plan to achieve your goals."

@finfocus

"Having a plan for the short- and long- term goals/projects in your life."

@jpeterson76

"Cash-based budget works wonders for me and my family. I used to always go over on groceries, but no more. Cash is king."

@FPApprentice

"Increase your income and decrease your spending, easier said than done."

@barbshock

"Invest in yourself and your career first."

@finavigation