“There is no such thing as overnight success or easy money. If you fail, do not be discouraged; try again. When you do well, do not change your ways. Success is not just good luck: It is a combination of hard work, good credit standing, opportunity, readiness, and timing. Success will not last if you do not take care of it.”
-- Henry Sy Sr. Founder of SM Investments.



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What are you gonna do when payday ?

So here are the 10 payday tips for a healthy personal finance management:

1. Pay yourself first

2. Pay your bills on time

3. Pay off your debts

4. Allocate for emergency funds

5. Allocate for health / life insurance

6. Allocate for 'fun' funds

7. Avoid impulse buying

8. Follow your budget plan

9. Withdraw only what  you need

10. Invest in yourself






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