# 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.

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.

# Create a regular shopping list for items needed every month in accordance with the monthly budget that you have.
# Always carry a shopping list every time you shop and stick to it! It is important to avoid buying unnecessary items.
# Make it a habit to go shopping on a regular basis such as every one or two months or based on needs and not wants especially if only just for take a walk.

The cash flow shows income sources and describe expenditure patterns, savings and investments a person. What are the components of cash flows formed? According to the Financial Planning Standards Board include: salaries and wages, cash value of dual life insurance, retirement payments, interest income and the distribution of dividends, income from rent, loan funds, and cash withdrawals from savings, tax returns, and receipts from liquidation of assets.