Saving, investing and managing your spending are important financial habits that are built over a period of time. Growing up, my parents, like most Indian parents, had ingrained in me the importance of getting maximum value out of any money spent. At a very early stage in life, I learnt that while looking for value out of a product or service that an individual spends money on, he can also build up the pathway to improving his financial health. With the availability of instant credit facility and credit cards, an individual can easily get his hands on the desired product and service whilst also improving his financial status.