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Problem 1: Not keeping proper account of income and expenditure

Problem 2: Not doing monthly budgeting

Problem 3: You spend first and then try to save

Solution 1: Keep track of income and expenditure using mobile app

Solution 2: Open three savings accounts

Solution 3: Invest first and then spend

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Music by Jason Farnham: https://open.spotify.com/artist/6fUNdRdfeWjcWHh52JBEoO

Last 15-sec music credit:

Country Cue 1 by Audionautix is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/

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