Achieving financial stability requires a balance between income and expenses.

(Example for clarity purpose: If your monthly income is 12,000, allocate 50% ( 6,000) for essentials, 25% ( 3,000) for savings, and 25% ( 3,000) for discretionary spending. Adjust these percentages based on your financial goals.)

Start by creating a monthly budget to track your income and categorize your spending.

(Example of a monthly budget table):

Use tools and strategies, such as savings plans or spending limits, to ensure you stay within your financial means.

Examples:

• Savings Plans: Set automatic transfers to a savings account for a fixed amount each month.
• Spending Limits: Use budgeting apps to cap expenses in specific categories.
• Envelope System: Allocate physical cash for categories like groceries or leisure to limit overspending.

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