All Expenses Must Be Paid From that Month Income.
~ Never pay something using money that you are going to earn, thinking that I need it now and I will get the money soon. It may come from your salary, or your customer will pay soon, or from your business shares. The point is, you must only pay all expenses from your income that you have received on that month. When you must pay for something you really need that can’t be postponed, use your X Factor savings. If not, pending it until the next month. If your X Factor savings is not enough, and you ‘really-really’ need to pay it, you can owe it from other savings post, Post One last. You have to pay it back as soon as possible.