Do not save what is left after spending, but spend what is left after saving!! Savings are important part of life and are to be planned properly to avoid financial crunch. One has to be street smart in financial planning for entire life by sorting out things accordingly. If someone is not aware of finances, then comes the need of fintech companies whose staff has keen knowledge of money matters. They are well trained professionals who advise about all sorts of finances for an individual or for businesses. Also they will give knowledge about investments and guide us in a correct pathway. The habit of saving is itself an education, it fosters every virtue, teaches self- denial, cultivates the sense of order, trains to forethought, and so broadens the mind. Assets, Holdings, Money, Resources, Possessions, Funds are a few kind of savings. It allows you to enjoy greater security in your life. Always set aside some cash for emergencies as something unexpected may happen all of a sudden. There are two kinds of people in life – spenders and savers. Spenders are people who naturally like to spend their money, which means they tend to struggle with saving money. Savers are people who would rather tuck their money away to have it if they need it later instead of spending it today. There is a good balance to be found between the two. Always maintain a budget chart and let your family spend money within your budget limit. The bread winner of the family has to present his budget right in front of all the family members, so that everybody gets a revelation as to how they can spend and save money. A traditional housewife is a good example who teaches how to save money and plans for the future. Time is very precious and make it a habit to save money from time to time to lead a joyous retirement and make sure to teach your kids to save for themselves. Instead of passing your assets to your children, let them understand the need for saving money for their own life and inculcate this a greatest heritage you store for them. Everything is about money in this fast paced world of today. So spend your money wise and save money in the first

place. Never depend on anyone for financial needs, if so you are a bad money planner.