Budgeting is probably the most important thing every adult have to do, like it or not. If you’re here, I’m sure you understand that money can make you, or break you. It’s important that you do everything you can to keep your financial responsibilities in check. And this is one basic money habit you need to get started. (a budget app is optional)
Do this budgeting monthly and yearly, so we know if our personal cash flow is positive or negative. With this spreadsheet, at the end of the year, it is easy to look back and do our income tax if we keep all this data ready.
I learn my finances from my mother, who used to work in Bank Negara Malaysia, and has been a financial advisor for more than a decade. I also took a 6-thousand worth of financial course with Abang Abu, the money mechanic from Singapore. Paid thousands for his workshop so that I don’t lose tens of thousands in the future because I’ve seen so many people taking a wrong turn with money that could be avoided if they learn simple pro-tips.
Let me help you with basic budgeting with an introduction price at just RM20. 🙂 See you on the other side.