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  1. Track your spending (for at least a month

    You may want to use a financial app to help you do this. Ensure that you group your expenses. Sometimes being aware of how much you spend can help you control your spending habits.


  1. Clip the excesses 

    Break down your wants and needs. The need for food, shelter, and clothing are undeniable, but also address less obvious needs. For instance, you may realize you’re spending too much buying clothes that you don’t need. If you see yourself surviving in the next few months on the clothing you have, you probably don’t need more at the moment.


  1. Modify according to your changing needs 

    As time progresses, you may notice that you’ve over- or under-budgeted a particular item and need to modify.


  1. Build your cushion 

    You never really know what’s around the corner. Keep growing your savings and investments to not only meet your medium to long-term goals but also to prepare you for financial setbacks such as a job loss or health problem. You can start small and build up your investments from there.

          Explore investment options


  1. Match up 

    Contribute to your employer’s contribution to your retirement savings by making additional contributions. Your tomorrow will thank you for it.


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