In the personal finance knowledge, any good financial decisions will provide more value for the future than the present. Think of good decisions you have ever made, choosing to cook food at home or eating in restaurants, take public transportation or ride bike to work instead of taking own car to save gas, buy education insurance or investment products for children and so on. All this leads to a principle that is save more for the future.

In the past, have children who worked as a Civil Servant being the dream of all parents. In fact, this type of work would be getting more points in the eyes of prospective in-laws. Perhaps, this public opinion is formed because of the retirement facility for a civil servant.

# The first and most important priority: pay off your consumer debt as soon as possible. The sooner is the better.
# Check loan repayment expenditure, is it <= 30%? If more, it means your debt burden is too heavy and not at risk paid off.
# The second priority, saving at least 10% of your revenue. The higher is the better.

1. Select a healthy insurance company with a reputation for service agents and a good claim. There are ratios for certain health insurance companies that can be accessed at each portal or portals insurance association.
2. Find insurance providers that offer the cheapest prices for products that required protection. Alternatively, find educated and trained insurance consultants or agents. With their help, specify the amount of protection needed.

Frugal Living can give the future happiness. How we started the frugal living? You can follow these tips.
1. Donate goods we do not need to those in need. They could be relatives, friends and neighbors of our office. Some institutions such as mosques, churches and charities often mobilize social action. Simplicity and generosity will make our lives more grateful and happy.