My financial budget plan in the future changes from time to time. During my 20’s I budgeted my income and work hours so I can retire at 40. But now I’m on my 30’s I think I will still work until on my 50’s or even after 60s. Because of the economic situation and financial constraints plus the on-going 2-year covid pandemic that we are facing right now.
Maximising your budget is like playing chess, in which you need to do everything to win in a strategic way against all odds. But sometimes because of the lack of discipline and education one’s plan and budget may be altered or may gone with the wind.
So why you need to consolidated all your debt? For me you need to calculate your asset and liabilities. Wether it’s a great asset, good debt or a bad debt. It’s still part of your …