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There is nothing more important than setting a plan
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The first step is ‘plugging the money leak’.
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The ideal second step in ‘fiscal rehabilitation’.
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How much money you have leftover for yourself after 'fixed expenses'?
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Set aside at the start of the month one-off expenses as well.
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Making slow-but-steady progress towards establishing an emergency fund.
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Always seek opportunities to stash money – even little – into your emergency savings account.
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Advisors say the impulse reaction of most is to splurge on something ‘depreciating’ if you earn a little extra.
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At a time when you are struggling to make ends meet, ensure you have money set aside!
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Next step is to set up a weekly budget.
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Sticking to a weekly budget, takes you one step closer to what planners call ‘fiscal maturity’.
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Are credit cards a pitfall? Leave all your cards at home.
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Spending cash can seem more 'real' than using cards!
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Hearing an age-old adage again - Think twice before every purchase!
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What are the three vital questions planners say to ask yourself before buying an item or service?
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A common ‘fiscal blackhole’ is how get-togethers with friends turn out to be expensive!
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Spending quality time with people needn’t be an expensive affair!
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Look for cheaper alternatives or means for enjoyment!
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Keep in mind - People you spent time with are likely to be in a similar position like you!
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Remember that while its easy on your pocket, it’s easy on your peers too.
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Do you make your own lunches or buy your food each day?
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Can you do without a take-away coffee some days?
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