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If no one taught you how to manage your money, it will be very easy to fall into a spiralling debt trap. The basics of managing your money according to Eric Ravenscraft:  spend less than you earn, investing money is better than saving it under your mattress and planning will always be better than impulse buying.

If you spend exactly as much as you earn every year, you’ll never be prepared for emergencies or major life changes.

Personal financial management is a subject that is not taught in many schools, but is something that nearly everyone has to deal with in their lives later on. For more detailed tips on how a keeping a budget can help you achieve financial independence read:

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