(NOTE: You can skip this step if you want and start with the budget plan on the second part, but if you REALLY want to handle your money well and build wealth, you need to master this step.)
(NOTE: Pwede mong hindi gawin itong hakbang na ito at dumiretso ka na sa budget plan sa susunod na bahagi, pero kung pangarap mong maging magaling maghawak ng pera, kailangan mong alamin itong step na ito.)