Financial Tips

•  Do not pay penalty or late fees 
• Save 12% or 15% or 20% increase savings as earnings increase
• Pay your bad debts immediately
• Never pay minimum due, pay off principal and complete dues partially or faster
• Track your expense, else you won't know where you are overspending
• Never neglect retirement
• Always find the best deal
• Spend only for those which you have prioritized 
• Live below your means always
• Buy insurance for life, illness, accidents, burglary and disasters
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