1st salary... It's free to use... u can enjoy with it!!! hoho... treat ur parents and family...
2nd salary about 20% need to spend it for savings... Important!!! do automatic savings is much better!! ( deducting ur account automatically for savings..)
FAILING TO PLAN IS PLANNING TO FAIL!!!
There are several reasons to make spend money for savings...
* Emergency funds
* big ticket items - wedding expenses, house loan and etc...
* retirement * use finance for bigger downpayment >> can get small interest of loan... :)
Benefits of monitoring account frequently...
* Can track income * control expanses * Prevent impulse
spending
IN LIFE WE NEED TO PRACTICE THAT "LIVE WITHIN MEANS , DEFERRED GRATIFICATION
haha.. kne plan bebetul finance aku nih.. hehe..
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