Sometimes we can ruin our own financial plan that had been made by ourselves. You could think that you need to manage your personal finance, but because of something you can ignore your plan easily. This bad habit can make you out to lack of money at the end of month. Your plans will be useless and you can’t save your money. Trying to have commitment for the financial plan is very important.
After getting monthly salary, it’s good to list the regular expenses like apartment rents, credit card, water bills, insurance, and many more. Then, list the most important needs for you, such as foods. If you already write down the priority list, make it realized. You must hold your desire in buying expensive stuff when you don’t have enough money. If you have enough money, you can buy it.
Don’t forget to save 10-20% of your salary. Maybe it is small amount but you can see your account in next year. Make sure that you leave this saving, except you really need money as soon as possible. Having saving in bank will prevent you from credit that could make you fall in the debt circle. If you have credit bills, it is good to pay it on time.