The best way to begin managing your money is to gain a clearer understanding of how you currently use the money that is at your disposal. An integral part of money management is knowing how it flows in and out of your life, or as we call it, having a cash flow. As a first step we’d encourage you to take the time to do your own personal cashflow as this will give you greater understanding of where your money really goes and just as importantly, how much you can realistically afford to save.
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