Majority of people would spend first, save later. Very little realised that by practising saving prior to spending enables one to have a better control over their expenditure and at the same time, having sufficient money to grow over time, which enables them to achieved their objective by the end of the day.

One must know whether what they can or can't afford based on their take home pay. I would recommend you to purchase the following book to read, prior to starting off your investment.



Remember, gathering and growing of wealth is just a "strategy" to achieving an "objective" over a pre-determined "time horizon". By having both "objective" and "time horizon" will enables you to determine the kind of risk returned investment vehicles that you should get involved with and the exact amount of investment you should allocate over time.