For everyone financial plan is must to maintain their budget. Have prior planning to prevent excess wastage of money and time. Following are the Keys to financial success.

1.    Get Paid What You're worth and Spend Less Than You Earn: It sounds simplistic but many people struggle to stand on their budget spending.  No matter how much or how little you're paid, you'll never get ahead if you spend more than you earn.
2.    Stick to a Budget: Make a prior plan to spend your money. Have an idea about your spending and based on that set your saving goals.
3.    Contribute to a Retirement Plan: Future plans are more important to have happier life. So, increase your contribution to a retirement plan.
4.    Pay off Credit Card Debt: Credit card debt is the number one obstacle to getting ahead financially. Those little pieces of plastic are so easy to use, and it's so easy to forget that it's real money we're dealing with when we whip them out to pay for a purchase, large or small.
5.    Keep Good Records: If you don't keep good records, you're probably not claiming all your allowable income tax deductions and credits. Set up a system now and use it all year. It's much easier than scrambling to find everything at tax time, only to miss items that might have saved you money.

AW: Lizitha