What is the best strategy for sticking on your saving goals.?

Most people do plan saving a given amount of money in every pay day. However it's very difficult for most of them to fulfill that. What do you think?
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I think that the naming of the saving goals for instance if you are saving for a motorbike name that account as the motorbike. With that you couldn't forget instead you would stick to that saving goal.

How do you deal with customers who don’t fulfill their promises?

There is no way you will have a business and not sell on credit. This is because there are some potential customers who usually buy a lot of goods and it will not make sense not to sell on credit to them.
Unfortunately, there are some people who usually buy and pay when they promise to and there are some customers who don’t keep to their promises.
How do you deal with such people?

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