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How to manage debt, risks, asset allocation before starting to invest
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Money management starts with taking care of household budgeting and goes a distance in having a financial plan in place for your long term goals. No matter what your income is, what matters is how much you are able to save as a percentage of your income. To start with, have a close look at your current financial position. Even before you start investing a single rupee, have a proper financial plan in place. It gives you a better control on your personal finances depending on your specific circumstances. What are your sources of income and where is your money being spent – is it more on discretionary expenses which you can manage better?
Initially, when you begin investing, an important step will be towards creating an emergency fund. As a
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