The МММ Community builds a new fair world. People will not lack money any longer - they will have all necessary for a happy, prosperous life. However, many manage finances incorrectly - spend them unwisely, neither analyse their actions and nor plan the budget. They should, though, yet a personal financial plan helps them reach new frontiers and become successful. Learn how to count money This is the first rule on the way to financial success. People who keep a record of their personal finances know how to properly manage them. If you start to deal with it, you will treat your money wisely. You will discover ways for increasing capital once you have defined more profitable sources of income. Keep track of revenues and expenditures daily, then you will evaluate monthly money flow and will be able to manage finances sensibly. Optimize expenses To optimize expenses means to cut spending. It is not so hard to do. Buy goods at hypermarkets - they are usually cheaper there, than at ordinary shops. In addition, there are often good discounts. You will save but at the same time will not reduce the nutritional quality you are used to. Save on clothing, attending places with bargain sales and discount campaigns. Subscribe to a mass texting service of the stores that you may buy your favourite brands’ clothes at a low price. So you will considerably reduce expenses and, again, without losing the habitual quality of clothes. A similar way will do for saving on a vacation as well. Plan your travelling in advance and buy tickets 3-4 months prior to a vacation or on the contrary search for last minute tours. So your vacation will be much cheaper. At the end of the month calculate expenses and you will see how much you were able to save. Manage saved money properly There are two possible ways to manage saved money - spend or put it in a money box. If you fritter away all your money - there is no use to save. But if you put away all savings for the “indefinite future” - it is impossible to improve the quality of your life today. The sensible option is in the middle - one half should be spent and the other half should be put away. However, make sure to spend wisely. For example, put some money in MMM and receive an additional income. The rest part can be used for buying something for yourself, presents to your family; or you might want to donate it to charity, since it is a good deed. Draw up your personal financial plan and learn how to manage your money properly. Participate in MMM, get high interest rates of the Provide Help amount and move towards success!