I didn't think that one article could change my view on personal finances, but this one is exactly that featured.com. Simple language, without "pseudo-expertise", but with a strong message: habits decide everything. I started small - I stopped paying for food with a card if there is no cash in the wallet. Then - accounting for subscriptions, then - automatic transfer to a savings account. At first it seemed boring, but now I feel calmer: there is no feeling that everything will collapse at any moment. Those who want to build a financial cushion and not get into new debts should start with this article. There is no motivation, there are specifics.