Master your Admin
Create an organisation and discipline that works for you. a. Paying bills. b. Calendar (key dates, events, history, routines). c. Trackers (income, taxes, banking, to do,...). d. Archives. -> Get started and keep improving.
It's easier to spend money than save it so automate your savings for emergencies or a project.
What are your goals this year? Study, work, travel, shopping, business... Can you fit it all into your admin/savings plans?
Make a yearly budget, with 50% for Day-2-Day, 30% Savings & 20% dreams spendings (download a template from the Budget section below).