How to manage my Expenses

As a fresh graduate my income always seems to trail my lifestyle expenses. How do i manage this situation?

An honest self-check of your current and future cash flow status will indicate whether you will be in financial trouble. Some alerts are:-

#1 - Do you actually know how much debts you have and which are more costly?

#2 - Do you have a clear plan on how much you can spend each week/month?

#3 – Are you always waiting anxiously for the next paycheck?

#4 – Do you always pay the minimum payment on credit cards?

#5 – Do you frequently regret buying products & services that you don’t need / does not suit you?