1. Avoid buying property on loans unless you have a clear plan for its repayment. Monitor cash flow

2. Start a SIP at a very young age

3. Avoid buying a car unless you use it everyday

4. Do not let this sentence scare you. “Mutual fund investment are subject to market risk”. Look at the history and growth of Mutal Funds

5. Try having a simple wedding

6. Atleast 20% of your wealth should be liquid so you can utilize it when necessary

7. Considering inflation, do not keep huge money in savings bank account

8. If you invest in stocks, pay due attention

9. Do not have a belief that property & car make you rich

10. Never invest in insurance for returns

11. Use credit card for needs not for wants

12. Cancel all credit cards before you die, or inform family. Even a small residue will cost your family much

13. Invest on yourself & then on other investments

14. Balance your earnings with your savings first, then on  spending and loans. Never take unnecessary loans

15. Always have a plan for future events on your career, life, spending and finance

16. Always have a reserve on your savings for contingency and urgent situations

17. Investment like, have a regular health check & do healthy workout every day

18. Do buy adequate term Insurance if you have dependents

19. Prepare a Will

Follow as much as you can

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