10 Good Habits of Personal Finance

•	Manage your expenses so they don't exceed your income.
•	Spend money thinking of your future as well as your present.
•	Begin saving early to take advantage of compound interest.
•	Avoid collecting credit cards and using them for borrowing.
•	Always honour your debts and other financial obligations.
•	Project your income and expenses for the next 12 months and track variances.
•	Focus on the relationship between the risk and projected return of investments.
•	Maintain organized records for tax and general financial planning purposes.
•	Have a plan and a purpose for your investing.
•	Obtain a financial education to be in a position to make intelligent financial decisions.