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[QUOTE="Suba, post: 340067, member: 3658"] Financial planning can be started at any time, so you don't have to wait for the end of the year, and the first thing you have to do is change your mindset from wasteful living to frugal living. Increase your willpower and discipline in yourself. Next, record all your income, whether from monthly salary, side hustle, etc. and don't forget to record all your expenses and at the end of the month make corrections, throw away expenses that are less useful or just wasteful. Once you have at least expenditure data for three months then you can draw up a personal expense budget which you can later use as a guide for daily expenses, savings and investments. [/QUOTE]
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