Step 1: Record All Income

Things to keep in mind wrt repaying your debt:

• Make the down payment as large as possible. This will reduce the interest on the cost of purchase,
• Debt repayment per year < 20% of annual Post-tax income,
• Monthly installments < 10% of Monthly i-hand salary,
• Use "...

• People are 50% more likely to achieve their goals if they write it down.
• SMART goals are more effective.
• Making your commitment public or telling it to someone close, increases its chances of succeeding.
• Goals kept to yourself get muddled up with the other 1500 though...

An emergency savings fund buffer is vital for freelancers. It will help you to keep your head above water when your income fluctuates.

A zero-sum budget means living off last month's income alone. This can be done in the following way:

• Start