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And, best plan to improving your financial situation is...
PAY YOURSELF FIRST.
Regardless if you have $300,000 of house mortgage or a $100,000 savings in bank, make it a habit to pay yourself right after you get your monthly paychecks. This habit will definitely help.
You've been paying everybody you owe every month. You pay bills, banks, mechanics, who knows who and you actually get nothing, except settling scores.
There's just another person that you forget to pay - that is YOU.
Imagine yourself as a bill collector on yourself. No matter what, you have to pay yourself at beginning of every month (I suggest 10% of your salary. The more is better) - or else you cease to function as yourself.
Never fail to pay your SELF and only after you pay yourself, then you pay others.
Yes, at first, but once you put action of "Paying Yourself First" into habit, you'll actually enjoy doing it, knowing that you do good deeds to yourself.
Try it once. Then do it second month. And then, another... and another.
PAY YOURSELF FIRST because you deserve much more than other bill collectors.
Zamri Nanyan models a low cost, high profit concept to build successful internet businesses, as mentioned at www.LowCost-HighProfit.com. He now owns and operates several money-making websites from the comfort of his own house. Read more about Zamri Nanyan at www.ZamriNanyan.com.