One of the most exciting and fulfilling moment in our lives is the first check , first payment, , first salary. It gives us the feeling of Financial Independence for which we studied and/or worked hard. Most of us spend that money on gifts for ourselves, close family members and friends, throw party and enjoy. Slowly we get in to our work life and the pay-checks become a regular part of life but soon party time is over after few months. What then starts is our planning to achieve our goals. We want to buy an important item like Phone, laptop, leather Jacket, vehicle like motorcycle, car and we start saving. Few years pass by and most of us are collecting these items and then the realization, what about the house, the marriage, kids, school. .we need to save more. Is it too late or still early. One thing I learnt is that it is never late…its better than never. Whenever you are ready identify your goals and start planning. Take that First step.
