learn how to manage your money

Start to save and be ruthless.

Every time I get myself into some financial difficulty I make myself promises about saving more for a rainy day. Saving only ever occurs to me as important when I am drenched with an umbrella turned inside out and useless. My challenge to us all is to save now and save whenever you have the chance; 5% of what you earn is a modest amount, most guides recommend 10%.

Putting money aside is a practice we all need to get into more, living pay-day to pay-day makes us feel like we have no options, are trapped and smoother whatever creativity we are hoping to have. When you have no savings for a rainy day or to invest in your education and advancement, you are at the control of someone else. Pretty much anyone else. Sound like a good enough reason to stop doing that? Me too.