the first step is to define your financial goals

then you need to take a stock of your finances – income , expenses , debt

then take your monthly salary and allocate a certain percentage towards each of your goals – utilities , paying down debt , fun ,etc

then automate the savings part

to keep track of your expenses , you can use excel or one of the following tools – mint , personal capital , you need a budget or perfios

keep track of your money and don’t get frustrated if you don’t get it right the first or the second or the third time – you will get it eventually

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