Being financially burdened is very stressfull. It is difficult to be happy when you are constantly worried about financial obligations.

The Key :

•  Spend less than you earn.
  
•  Earn interest instead of paying it,
  
•  Invest at least 10% of your income. 
  
•  Spend your interest but never your investment.
  
•  Give away 10% of your income.