foamy blue sea with powerful waves

pay down debt – the more you pay off now , the less you will have to pay off later in life

setup automatic payments for key goals – such as credit card payments , utility payments , car payments

create a budget plan – in a software or excel and keep monitoring it regularly – the closer you are to the budget , the more motivation you will get

automate your retirement goals – as soon as the salary hits the bank account , pay yourself first and take the money out for the retirement account , long terms savings account before spending it on anything else

start investing – in a systematic investment plan ( SIP ) into a mutual fund , retirement instruments every month without fail – set them on automatic

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