My tips , once gaji masuk, dlm above rm200 cmtu masuk asnb before purchase or buat paymnt lain or self reward, jadikan tu saving tk leh kacau until emergency purposes

1. Set up emergency saving siap2 ( autodebit) 2. Ambil medical card sementara masih muda dan sihat 3. Allocate some portion untuk investment walaupun serendah 100-200 4. Zakat jangan dilupa

I start kerja 2022 as fresh graduate. I jadikan habit and memang wajib untuk lepas tolak commitment sewa, makan, prepaid phone, parents, ptptn, transport dulu then balance trus saving emergency dan asb (this one i combined ltk trus dlm asb). Lepas tu if ada balance baru i ltk utk reward or entertainment. Lagi satu i discipline diri utk tak letak "reward diri" expenses every month sbb for me mengarut je. Reward for myself if i ada achievement or my birthday.

(1) Income management -allocate budget for needs, wants and savings (50:30:20) -smaller wants means more savings -optimize spending on needs -don't settle for less: generate side income 📌 Target: maintain positive cash flow (2) Risk management -spend max 10% only for personal protection (life and medical policy) -setup contingency fund of 3/6 months salary (the more better) -setup sinking fund 📌 Target: income and saving fully covered For starting, fokus 2 ni je dulu ya.