1 Review Expenses
Review your expenses for the past 3 months. Get an accurate snapshot of your spending expenditures so you can plan better.
2 Prioritise
Prioritise your expenses. Once you know how much and what you spend on, you can plan better.
3 Be Financial Literate
Become financially literate. There are many reliable websites which will give you a good understanding of personal finances, which will be a valuable life-long asset.
4 Obtain Credit Report
Obtain a copy of your credit report. Take steps to improve your credit score, if required. It will help you have easy access to credit when you need it in the future.
5 Resist Splurging
Resist the urge to splurge. There are certain times when our spending discipline goes out through the window. This is especially during holidays and family gatherings! Keep a check on your spending expenditures during these times.
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