If you want to be a frugal person, do not go to shopping malls if you do not have to, and do not hang out with folks who love shopping.
If you want to remain safe, avoid dangerous streets or escapades. For example, you can be easily attacked along a street that is not lit, so avoid such streets. You risk getting into brawls in a night club.
A prudent person foresees danger and takes precautions. The simpleton goes blindly on and suffers the consequences.Prov 22:3
This is the same with trying to become effective and exerting self-discipline in your life. It is prudent to avoid problems that can cause the opposite of what you want to achieve.
If you want to become more productive, you may want to cut the time spent on certain activities like watching movies all day. Avoid what lazy people do and what they consider a must have, spending all day on TV. Instead, read a book or learn a new skill on YouTube.
Think about your goals. Get to know what its opposite is, ask yourself which actions, people or places can lead you to that opposite result and dodge them.