How to Manage Money

My first to attend speech/talk voluntary. Because managing money is a interesting topic. We should/must know how to manage cause money is so important in our life through out future. 

1. Think wisely, whether you WANT or NEED a thing before consider to buy.

Eg, You hang out for a movie, while waiting movie to start, you walk around shopping mall and you saw something catch your sight which you want to buy it so badly. Tips:You need to set your mind, you can catch your movie first, Well if after movie your mind is still thinking about the stuff you can just go on pruchase. Some person don't because normally after doing other thing, we'll often forget about the stuff we saw that you WANT it badly just now. That can save up a lot money.

2.Money Tracking

You really need to know where your money goes(spending) . Money comes slow but goes off fast. You need to record down where do you spend it. This is one of the basic, if you want to save money. There are many apps for Spending* You have to become a habit for this.

3.Minimum save up 10% or 30% income a month. 

The accumulation of the few percentage that you save up . Actually quite a lot. 

4.Car

There are advantage and disadvantage over new car and used car. Advantage over new car is less maintenance ,new-new, but disadvantage is EXPENSIVE. Advantage over used car is cheap but many of maintenance. Every one do have their own dream car. For me, is not advise you to buy your dream car. The most important is car which can bring you one place to another that's enough. 

5.Loan

Is best to paid your loan as fast as you clear all because the longest you delay the more amount you have to paid. According to government, if you clear your PTPTN earlier you got 20% discount. Don't look down of the 20% that can save up a lot money.

so, hope that can help you :)