How financially healthy is your wallet? Are you consistently spending all your earnings on immediate enjoyment, or have you been setting aside savings for the future?

Many individuals overlook the importance of budgeting and financial planning. It’s surprisingly easy for hard-earned money to slip away when spending isn’t carefully managed.

You might have heard the adage, ‘A penny saved is a penny earned.’ Being financially prudent allows us to accumulate savings that can serve us well in times of need.