1) Kenali diri

Sebelum anda mula merancang belanjawan anda, ambil sedikit masa untuk memerhatikan dan merekodkan pendapatan, perbelanjaan dan tabiat berbelanja anda sekarang.

Ambil perhatian tentang perkara berikut:

1. Aset – benda bernilai yang anda miliki seperti kereta, motosikal, komputer, dan lain-lain.
2. Liabiliti – apa yang anda berhutang kepada orang lain, contohnya pinjaman kenderaan, pinjaman peribadi, bil yang belum dibayar, dan lain-lain.

2) Tetapkan keutamaan anda (keperluan & kehendak)

Differentiate between the things you need and the things you want. Your needs are always more important than your wants. Identify your top 3 goals, e.g. emergency savings,  paying off debts and a down payment for a home.

3) Rancang belanjawan anda

Look at your current expenses and identify what items you can save on and what items you don’t actually need. At the same time, look at things you should spend money on, like paying off your debt(s) or buying medical insurance.