Although I believe that our generation now is more knowledgeable in handling finances because of the unlimited resources we have now through the internet, I still believe that we learn a lot from our elders based on their financial successes and failures. My dad used to be a businessman when he was alive so I also consulted him a lot when it comes to that field and how I wish that he was still here to guide and give me advice whenever I try to venture into something.
One of the best lessons he gave me was to plan my expenses ahead before I get try to invest or buy another one. He also told me that every time I receive an income, I have to focus on my savings first and then divide the remaining to my bills and other things for myself. It's also best to invest while you're still young on insurance and real estate so I can retire earlier. The secret to achieving those goals is careful planning of spending and putting everything into a list where I could monitor where my money goes.
Since I'm a mom now who runs a household, I found myself being overwhelmed with the things we have to pay monthly like our house, school and car fees, insurance, and another unforeseen spending. I do all the calculations and note-keeping online because it's easier and more convenient for me. One online tool that I find so useful is https://calculator.me/. It offers a wide variety of computing tools that helped me monitor my loans, and mortgages, and assist me with budgeting. All I had to do was keep my data in a spreadsheet and I can do my planning and execution of the next steps based on that.
For people who do a lot of things in a day, this is actually very easy to use. If you know the figures to enter, it's just as quick and easy as 1-2-3. It won't involve too much effort for one to get the computation that he/she needs. Younger people than I am who are not too familiar with computing or generally, not good in math will put these online tools to good use.
This 2023, I want to grow my savings and be able to invest in properties that could generate income even if I'm not physically working for it. If you just started earning your own money, you can enjoy it, of course. However, you also have to be wise with it so you could enjoy a worry-free and comfortable life as you get older.