Dear readers, a reader’s contribution is as below: In the year ahead, I am going to focus on growing my Net Income. A lot of people have the misconception that real income matters. But there are so many cases that show that the more one earns, the more he or she will spend, hence the real savings that this person has may be equivalent to one who earns less but saves a lot. I have always been diligent about keeping track of my expenses and budgeting accordingly, but in the past, I have never really focused on monitoring my net income as I have always been content with just making enough to cover my expenses and have a little extra for savings. But as I reflect on my financial goals for the future, I realize that growing my net income is essential in order to achieve financial stability and security. I have decided to start by creating a detailed financial spreadsheet that includes a section specifically dedicated to tracking my net income. This will allow me to see exactly how much m...
Dear
readers, RHB
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