Taking care of your finances does not mean that you have to be well off. It simply means that however much money you earn, you keep a reasonable amount of it in order to achieve your goals. After all, it does not matter if you earn a fortune if you keep on frittering it away. You need to understand your own financial habits and one way of doing this is to create a budget for yourself (and for your family, if applicable) and then make certain that you stick to it. Be sure to have a solid understanding not just of how much you are earning, but also of your other assets – and of course, of your expenses and liabilities as well.
Having a plan is essential to achieving any goals you wish to set yourself and if you are in a position where it feels as though your finances are no longer in your control, then you need to seek professional help as soon as possible.