Being prudent about future - diary written on 26 Jan 2017

Some rules to follow - adapted/ inspired from https://www.investopedia.com/articles/younginvestors/08/millionaire-mind...

1. Stop senseless spending - live a disciplined lifestyle and budget.

2. Fund Retirement plan - The sooner you start it, more money would compound resulting in massive corpus.

3. Improve your tax awareness - Hire a good CA and keep yourself informed about avenues to save Tax - Tax planning has great potential to save money. 

4. Avoid luxury purchases - Unless you can comfortably pay for it, avoid luxury purchases specially in the beginning of your career.

5. Don't sell yourself short - Stick to an employer that appreciates your work ethic, unique skill set and experience. 

6. Analyse, don't depend on luck - If you start early, spend prudently, save actively, you will be wealthy. Do financial projections, think of future, adjust your present expenses to save for future.

7. Invest in yourself - Equip yourself with new skills, invest in better tools that makes you more efficient

8. Plan prudently - Be goal oriented, make a list of goals and how will you achieve those, with timelines. Track your journey.

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