basics

• never spend more than you earn
• be smart making purchases and find the best offer
• have an emergency saving
• the least you spend the better
• any money left goes invested

4 pillars

• 1: recognize your current financial situation
• 2: regist your costs
• 3: revize your habits
• 4: accomplish your goals

math

• 50% fixed expenses (includes investments and essentials)
• 35% variable expenses (essentials)
• 15% save
• note: register your essential expenses and non-essential expenses