Habits with the highest rate of return in life…

1. Exercise daily, it pays off in health and energy.

2. Keep learning, growth is a lifelong journey.

3. Sleep is an investment in your productivity.

4. Practice mindfulness for peace and focus.

5. Financial discipline today ensures freedom tomorrow. 

6. Master time, and you master your life.

7. Read daily, expand your mind.

8. Set goals and create your future.

9. Build connections, they open doors.

10. Gratitude turns ordinary days into extraordinary ones.

11. Reflect often to improve constantly.

12. Learn to say no, protect your time.

13. Eat well, live well.

14. Journal to clear your mind and grow.

— Unknown

I was a late learner in finances. My father was a teacher and my mother never worked, so resources were scarce, and we were usually in debt. So no money management tips from the upbringing. But after losing my fancy, well paying job due to the 2008 financial crisis, I read Suze Orman’s book The 9 Steps to Financial Freedom, and began following much of her guidance. In a nutshell, I learned to save up for any big purchases, including vacations. I also pre-load a couple of credit cards. Spending money hugely lost it’s appeal after facing such a stressful financial crisis. And now seeing my bank balance grow, and interest earned, is way more exciting than buying a new pair of shoes, or what have you. Just sayin’ :) Hugs and good luck. XO

Blessings,

Chatgirl