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-Get a side hustle
-Identify what are my needs and my desires
-Using 50-30-20 rule and spend my money wisely
-Have a person help me keep track of my monthly spending
-Use apps to help limit my spending
-Use MySkillsFuture to take courses that are subsidized by the government
-Try to buy second-hand products instead of fresh ones

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-Find people who know about the subject you're learning very well and ask them for consultation
-Use different apps and websites that help find people from all around the world with the same interest as me
-Go to various social events to find people with the same interests as me

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-Consult therapist to improve time management skills
-Hypnotize yourself to be more productive
-Have a timetable
-Do your work with no distractions so you can be more productive when doing your work
-Find people to be accountable for you

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- Take the opportunity to get to know more people
- Use website or platforms to make new friends based on similar interests/values

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Use the app UNBLND that help you find people of the same interest in the world

Encourage friends to join in with you

build your network skills

Increase your social circle

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- Read financial blogs and books for tips and tricks
- Read/ watch the news to inform yourself on why money management is important
- Ask your parents and friends who are financially savvy on how they do it (so that there is a more concrete/ relatable plan that you can copy/ start off with)
- Don’t go into a shopping Center/ supermarket without a clear idea of what you want to buy

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- Put yourself out there and don’t be afraid of change
- Don’t be too hard on yourself and set unrealistic expectations, and reward yourself for your efforts no matter how menial they may seem

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Ask a close friend or family member to review your spending plans and habits regularly to obtain an unbiased opinion on what are wants and needs to better help with reducing unnecessary spending

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- Use MySkillsFuture credits to go for courses that are subsidised by the government
- Limiting your credit card to prevent excessive spending

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Use apps such as forest to help maintain concentration of the task at hand instead of being distracted by digital devices

An app that notifies you every time your screen time exceeds a certain amount on entertainment apps to keep you on track

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- Find people to be accountable to, other than yourself
- Make sure that the breakdown of your tasks are clear, to carry them out smoothly
- Use the time-blocking method when planning out your day-to-day tasks
- Find a “why” to why you do things, to keep yourself motivated

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Use the banking apps to do auto savings every month.

Check if the thing your are spending on is it what you already own or have.

Listen or watch podcast or read book on how one can save money or grow their wealth.

Attend webinars and network with people. They can share their tips and tricks to being financial literate.

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- Apply S.M.A.R.T goal framework and create daily schedules
-  Find a motivating factor to encourage yourself to finish your tasks efficiently
- Rewarding yourself after accomplishing a task
- Prioritize the most important and urgent tasks

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Subscribe to magazine that shares about managing

download app for budgeting

pay off your debt before purchasing wanted items

adopt the 50-30-20 rule

Look for side jobs like grab drivers

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Find social events and communities (related to your interests) where people do things together.

Using social media apps like Facebook to connect with people with same interest.

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Make a website or app to make it easier to find people with similar learning interest on pre-existing platforms such as Discord

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Use apps like Google calendar or TimeTree to keep track of your time.

Do to do list and list them by their importance and urgency.

Set aside a recurring time and date to do things that can develop themselves.

Set feasible deadlines for the project or work to be done.

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Attend time-management courses

Delegate task according to the Eisenhower Matrix

Adopt timeblocking which is a time management method that asks you to divide your day into blocks of time

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Need 3: I need to educate myself with resources to be more financially savvy

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Need 3: I need to educate myself with resources to be more financially savvy

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Need 2: I need to find the right people who will nurture me in my growth

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Need 2: I need to find the right people who will nurture me in my growth

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Need 1: I need to improve my time management and learn to be on task

# data[].attributes.subject
Need 1: I need to improve my time management and learn to be on task