💰 Personal Finance Journey 📊 First Step: Track Expenses!

📌 Know Spending Habits 💸 Cut Unnecessary Costs 📊 Better Money Control

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📝 Notebook / Spreadsheet 📱 Budgeting Apps (YNAB, Walnut)

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💡 50/30/20 Rule (Needs 50%, Wants 30%, Save 20%) 🎯 Zero-Based Budgeting

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🚨 Financial Safety Net 💰 3-6 Months' Expenses 🏦 High-Liquidity Account

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💳 Snowball: Smallest First 📉 Avalanche: High Interest First 🔄 Debt Consolidation

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📈 SIPs in Mutual Funds 💹 Stocks & ETFs 🔐 PPF & EPF (Tax-Saving)

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🏥 Health = Medical Safety 👨‍👩‍👧 Term Plan = Family Security

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🎯 Save ₹5L - House 📊 Invest ₹10K Monthly

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