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@pliskot
Good morning, darlings! đ«¶đ» Today, weâre diving into financial literacy. Ready to learn how to make your wallet stop crying? Letâs go! Basic Rules of Financial Literacy: 1. Spend less than you earn. Pretty self-explanatoryâjust donât go looking for money that isnât there! 2. Keep credit under control. If youâre going to borrow, know exactly how youâll pay it back. 3. Save 10-15% of your income. Even if it seems like thereâs nothing extra, try to put a bit aside. 4. Learn to invest. Itâs not as complicated as it sounds, and yes, you can start small. Personal Experience: I once started setting aside 15% of my income for âdreams and snacks.â At first, it felt like I was saving forever and still couldnât make ends meet. But eventually, I had enough for a great vacation. The key is a little patience and a positive outlook! continuation in comments—ïž
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@pliskot
How to become a financially literate person? Step one: stop thinking that finance is boring or too hard! Financial literacy is like learning to cookâat first, it seems difficult, but eventually, it turns out to be both enjoyable and useful. Start by reading simple books, watching videos, and tracking your expenses. Gradually, your budget will make sense, and youâll be the finance guru of your own life! Where to start to take control of your finances? Identify where your moneyâs going. Track expenses to see how much youâre spending on coffee versus âabsolutely necessaryâ impulse buys. Youâll be surprised at how much you can save just by cutting down on those âmaybe somedayâ items. Set financial goals. Want a beach vacation or maybe a new car? Write down your goal and the amount you need. Itâll give you clear motivation to start saving. Build a âsafety cushion.â Set aside a bit for emergencies. Itâs your âcalm for a monthâ fund to keep things steady if life throws a surprise.
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