Instructor at Udemy
I hold a bachelor's degree in Accountancy and a master's degree in Global Management. Throughout my life, I made several attempts to gain control over my finances, starting as early as 17 years old. However, I struggled to maintain consistency, often starting and stopping my efforts. It wasn't until five years ago when I secured a stable income and began working full-time that I faced the challenge of running out of money by the end of each month. Determined to find a solution, I recommitted to personal budgeting, and this time, it worked. Since then, I have successfully maintained control over my budget without missing a single month. Despite initially earning modest salaries, I managed to build an emergency fund within a year or year and a half. I didn't have the opportunity to receive formal financial literacy education, but through the course of living and my strong desire to manage my income and expenses effectively, I naturally acquired valuable knowledge.