Personal finances

Do not spend more as you earn.
Credit for consumer good is
Save money. When you save you pay yourself. When you buy your desires you pay them insted of you.

Attitude to moey is gained in childhood by upbringing in the
Sugestion: you/child/anybody shoul save 30%, 30% for daily expenses, 30% for biger wishes, 10% donate. source

Anybody need that have to be checked regularly
In the family (when some others are dependent on your income) security need to be considered.

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