Teeny-Post 3

 Personal Finance.

"It's not your salary that makes you rich. It's your spending habits."

So, here are 10 personal finance tips to achieve financial freedom:

1. Spend less than you earn. Use EMI, insurance, credit, and loan facilities wisely.

2. Create an emergency fund. And never ever use that fund until REALLY needed.

3. There is no tomorrow, start today. Whatever it may be start right now.

4.It's always on your shoulder. It's important to educate yourself coz unfortunately we are not taught about money enough. There is always more to learn in all fields.

5. Accept the fact that personal finance depends on 20% of our knowledge and 80% on our behavior. As Dave Ramsey says, "Financial freedom is impossible to achieve without the combination of both knowledge and behavior."

6.Income doesn't determine wealth. 

7. Create multiple sources of income. 

8.Pay off higher-interest debts first.

9.Track your money. Incomes and expenses. Try to live below your means.

10.Learn a method of making more money by money. For example investing, the stock market, etc., or a passive income source.