Financial discipline is putting the acquired financial knowledge and skills into practice, managing and controlling your resources in a responsible and prudent manner.

Financial discipline provides assurance of income, expenses, savings and investments . Financial discipline helps you achieve your financial goals.

How to maintain financial discipline ? 

• Regularly creating a family budget . Prioritize savings according to the plan and spend as needed.
• Setting aside a regular portion of income by setting financial goals and saving .
• Regularly reviewing the budget. Reviewing the various headings of
• expenses and making necessary adjustments to achieve the target.
• Family discussion about financial goals, budgets, regular savings, financial problems and solutions. Setting the priority of
• expenses and not making excuses or delaying the payment of the loan if taken.
• Investing wisely, looking for suitable investment opportunities based on risk tolerance and financial goals. Adequate insurance for health, property and life to reduce
• risk. 
• Put your financial knowledge and skills into practice and stick to your financial plans.

(based on Nepal Rastra Bank's Financial Literacy book)