I consistently save 75% of my income year after year. And , I have accumulated more than $130 , 000 on less than average income in three years. How did I do it? I use my budget planner (download for free here ) to achieve it. How does using my budget planner achieve constantly 75% saving of income every year. In my free budget planner , I have listed almost all possible expenses. This tells you about your expenses, so that you know (really know know ) your expenses - what are they, how much are they, and when are they due. Once I knew all of my expenses (what are they & how much are they & when are they due) , I knew what are necessary expenses and unnecessary expenses. Then, I was able to eliminate all of my unnecessary expenses, and to reduce my necessary expense to its core. This makes my financial to be lean. What is a necessary expense and what is an unnecessary expense? I asked myself, what is a necessary expense? What makes...
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