PERSONAL BUDGET

The budget is a fluid, constantly changing tool that can be calibrated and customized, with a lot of discipline, after several months of repeated planning. By completing your personal budget, you can plan your income, the amounts you intend to set aside to achieve your goals, and the expenses you wish to incur, as well as the expenses you are committed to.

It goes without saying, it's not how much you earn that matters, it's how much you save and how you balance your spending.