The Basis of Financial Planning is knowing your goals…. Hmmm, that seems very hard to me, as my goals are too many and with my current job and pay, I wonder whether it is achievable Hmm, but then I found a few golden rules about personal finance, and that are 1. 1. Pay Yourself First 2. 2. Live Within Your Means When I first saw ‘pay yourself first’, means that you rewarding yourself after the work you do that makes you get that money. Hmmm…. Turn out it was totally wrong. Pay yourself First, means, you keep aside at least 10% of your money for your salary. Keep it as saving. For me to save 10% is already a great achievement and for those who able to save more... wow. Once I heard this lady able to save a lot of her salary so that by age 50, she has a million in her bank account. Wow, and that lady is same age as me. Live within your means, means no exaggerating in your spending and be prudent on your spe...
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