An example of a simple budget in on my Website. Another key is to spend wisely. Too many consumers can't wait to spend. This particularly applies to credit-card debt. Invest early, wisely, often and as much as you can afford.
Nothing consistently makes money like time.
Investments that return even modestly over the years will usually make far more money than investments made hurriedly at the last minute. And skip the day-trading and market timing. The average investors, who switched in and out of funds every three years, earned just 7.25 percent a year. Protect your wealth. As you build wealth, the last thing you want to do is lose it to an unexpected financial catastrophe.