To improve on your net worth, you need to ensure you are always in a positive cash flow position, taking control of your expenditure.
A cash flow statement is essential to monitor your financial situation. If in debt, take steps to retire the debts before embarking on a saving scheme. Only after your debts have been settled, work out a strategy to save at least 10 to 20% of your income by adjusting and controlling your expenditure. Your future wealth depends on these savings and the eventual investments of the saving fund.