Everyone has their own unique perspectives on life, debt, happiness, and what it means to "live comfortably". So, there's no definitive answer, but making simple changes to the way you manage your finances can help you avoid over-spending and live within your financial capabilities. You must adjust your budget so that the sum of your expenditure is less than your income. That way you can avoid overextending yourself and incurring debt, and hopefully begin saving money to prepare for unforeseen circumstances, vacations, and holiday expenses. By living within your means, you take control of your finances and structure your life.