Wising Up Financially
by Cecile Cinco
How do you save? Do you spend first then save what’s left or save first then spend what’s left?
Generally, the poor stays poor because of the first habit and those who walked their way to wealth built their riches on the latter habit. When I say poor, I mean those who just live with the basic needs and not the underprivileged who cannot afford to eat thrice a day.
It can be very challenging to start living the latter’s habit especially if you are an impulse buyer. Self-control must be emphasized. If you cannot, try a pension plan. You buy it, so you pay for it…but actually, it’s your savings should you reach retirement and have no means of earning an income for yourself, or, your beneficiary’s, should you be taken to rest early. You can ask around for a local agent or you can also buy insurance online.
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