Personal finance and budgeting tips | Rajwant Singh Mohali | Property Business Investment
Channel: Property Gurukul
Date: 2023-03-12

Top 5 tips on Personal finance and budgeting :

1) Track your expenses: One of the most important things to do when it comes to personal finance is to track your expenses. This will help you understand where your money is going and where you can cut back on unnecessary spending. You can use a budgeting app or spreadsheet to keep track of your expenses.

2) Create a budget: Once you have a clear understanding of your expenses, create a budget to allocate your income to different categories such as rent, utilities, groceries, transportation, and entertainment. Be realistic and include savings as a category.

3) Cut unnecessary expenses: Review your expenses and identify areas where you can cut back. For example, you can reduce your cable bill by switching to a streaming service or cut back on eating out by cooking at home more often.

4) Build an emergency fund: Unexpected expenses can arise at any time, so it's important to have an emergency fund to cover them. Aim to save at least 3-6 months of living expenses in an easily accessible account.

5) Pay off debt: High-interest debt such as credit card debt can be a major obstacle to achieving your financial goals. Make a plan to pay off your debt, starting with the highest interest rates first. Consider consolidating your debt into a lower interest rate loan to save money on interest charges.

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Rajwant Singh Mohali is a Real Estate Coach, an author, a Financial Educator, and a motivational speaker. He may be contacted as a consultant for mega projects, land development, and the legality of documents pertaining to the property.

Rajwant Singh Mohali, THE DIRECTOR AT PROPERTY GURUKUL, has more than 28 years of practical experience in the real estate business. He has written Property Karobar se Khushhali is in 3 languages i.e Hindi, Punjabi, and English, and the 2nd book is Property Guru which is in Punjabi. Not Mad So bad, Property DNA is among his other books.
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