Are you living paycheck to paycheck? It turns out to be more common than you think. According to a survey in 2024, more than 30% of employees in Hong Kong are part of this phenomenon. In the long run, they may find it difficult to sustain their lives or fulfil their goals. Their struggle signifies the importance of learning how to prepare a personal budget plan to manage one’s finances.
Completing a personal budget plan is a relatively simple process, involving tools such as a budget planner and tracker. The following guide will help walk you through each step, ensuring you build a healthy and sustainable financial habit.