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1. 1) The Rule of 10/10/10

1.1. Ask your self how you will fell about the decision - 10 = 10 minutes,10 Months, and 10 years

2. 2) 30% Credit Utilization Rule

2.1. Use no more then 30% of your avilable credit limit.

2.1.1. if your credit limit is 1 lakh ,keep your outstanding balance below- 30000/-

3. 3) buddgeting system

3.1. Divied cash into evelopes for each catagory of spending (e.g groceries, entertainment).

3.1.1. TCWGO

3.1.1.1. Tax

3.1.1.1.1. Bank Account Separate

3.1.1.2. Charity

3.1.1.2.1. Charity Account

3.1.1.3. Welth

3.1.1.3.1. Accounts

3.1.1.4. General

3.1.1.4.1. Separate Account

3.1.1.5. Opration

3.1.1.5.1. Separate Account

3.1.1.5.2. Self Learning , Development

3.1.1.5.3. Marketing, Self Drevelopment, Customer Gifts

4. 4 Rule of 15 -15

4.1. Invest in Fund that have delivered at least 15% annualized returns over a minimum of 15 years