Chapter 1
Financial well-being
“A penny saved is a penny earned.”
– Benjamin Franklin
Pay yourself first
Save a portion of your income before spending.
Prioritize savings to build wealth.
Automatically transfer 10% of each paycheck to a savings account.
Create a budget
Track your income and expenses to control your finances.
A budget helps you make informed decisions.
Use a budgeting app to monitor spending and set limits.
Live below your means
Spend less than you earn.
Avoid lifestyle inflation to save more.
Keep driving your reliable car instead of buying a new one.
Avoid impulse purchases
Wait before making big purchases.
This helps prevent unnecessary spending.
Wait 30 days before buying that expensive gadget.
Live a frugal lifestyle
Find ways to save money daily.
Small savings add up over time.
Cook at home instead of eating out frequently.
Feel free to share with your colleagues
Give feedback, ask questions or request new resources
