If we command our wealth we shall be rich and free If our wealth commands us we are poor indeed

Develop a detailed budget that outlines your income, expenses, and savings goals. Tracking your spending helps identify areas for adjustment and ensures financial discipline

Save for unexpected expenses by building an emergency fund. Having three to six months' worth of living expenses set aside can provide a financial safety net

Prioritise paying off high interest debts, such as credit cards. Focus on creating a debt repayment plan and avoid accumulating new debt

Stay informed about financial matters. Understand the basics of investing, budgeting, and managing credit. Knowledge empowers you to make informed decisions

Avoid unnecessary expenses and lifestyle inflation. Living below your means allows you to save more and build a stronger financial foundation

Establish short-term and long-term financial goals. Whether it's buying a home, saving for education, or planning for retirement, having clear goals provides direction for your financial decisions

Look for ways to save money on regular expenses. Negotiate bills, shop for better deals, and be mindful of your spending habits.

Periodically review your financial situation and adjust your budget, investments, and goals as needed. Life circumstances change, and your financial plan should adapt accordingly

Consult with financial advisors or professionals to get personalized guidance based on your unique situation. They can provide expertise on investments, taxes, and overall financial planning