I’m a business graduate and I had some finance units before. I’ve learned about money, interest rate, budget, spending etc. But honestly, you just need to know the basic money matters to cope up with your finances especially when times are tight. As for me, I used to earn a couple of years ago but it’s surprising to know that I have more savings now than before. Let me share you my secret.

First, you have to stick to the principle of needs and wants. Shopping and new things can really make us good, but then the happiness is momentarily. Let’s think of our money as a limited resource, and invest on something valuable and not so costly stuff. The best example would be buying for some clothes that are just on sale and say no to eating out and gourmet coffee. Do your own cooking and brewing at home and try to save a little more on your savings account.