Sunday, January 5, 2025

Exploring Victoria, Australia: My Adventures So Far and Bucket List for Top Tourist Destinations

As I reflect on my travels throughout Victoria, Australia, I am reminded of the diverse landscapes and experiences that this incredible state has to offer. From the stunning coastlines to the picturesque countryside, I have been fortunate enough to explore many of Victoria's hidden gems. In this post, I'll share with you some of the amazing places I've visited during my time in Victoria.

Great Ocean Road
Lorne Beach
Apollo bay
12 Apostles
Edwards lake park reservoir
Luna Park
St Kilda beach
Federation square
Royal Botanic Park
Victoria State Library
Williamstown beach
Shrine of remembrance
Melbourne zoo
National Gallery of Victoria.
Chipmunks play area
Lollipop's Playland & Cafe Roxburgh Park
Crocs Playcenter Epping
Thomastown recreation Centre
Melbourne museum.
Melbourne central
Yarra Park
DFO Essendon
Docklands
Reading cinema Epping.
Westfield plenty valley
Northland shopping Centre.
Unihill Bundoora factory outlet
Broadmeadows central
Coburg Reserve Lake
Wallan Area
Brighton Beach
Jay berries wandin east
Naturipe fruits bacchus marsh
Sorrento beach
Phillip island (Penguin Parade / Koalas Tour / Chocolate Factory etc.)
Lake mountain
Lalor Library
Millpark Library
Healesville Sanctuary
Melbourne Cricket Ground 
Richmond Football Club
Bounce inc Essendon fields
Village Cinema mill park Westfield
Fun fields park Whittlesea


Exploring Victoria: My Journey to Top Tourist Destinations


However, despite having explored so much of what Victoria has to offer, there are still many places on my bucket list that I am eager to visit. From the rugged beauty of the Grampians to the charming towns of the Yarra Valley, there is still so much to discover in this incredible state. In the following sections, I'll highlight some of the top destinations still on my list, and why I'm so excited to experience them for myself. 

Mornington Peninsula 
The Grampians National Park
Dandenong Ranges
Wilson's Promontory 
Ballarat
Bendigo
Macedon Ranges
Geelong and related activities
Daylesford and Hepburn Springs
Torquay
Mount Buller
The Otway's
Werribie Open Range Zoo
Mount Dandenong
Brisbane Ranges National Park
Inverloch
Echuca
Castlemaine
Bellarine Peninsula
Falls Creek
Puffing Billy Railway
Eureka Tower City
Queen Victoria Market
Stevensons Falls
Altona beach


            Exploring Victoria: My Journey to Top Tourist Destinations

Friday, January 3, 2025

Building a Successful Australian Travel Booking Platform: A Step-by-Step Business Guide

Australian travel booking platform: Idea is to Create and Offer a platform for booking flights, hotels, and activities in Australia.


Creating a travel booking platform for Australia can be a fantastic venture. Here's a detailed outline of what you can offer to the community and how to monetize the website:

Steps to start a successful travel agency business:

  1. Define your niche and target market such as luxury travel, adventure tourism, or corporate travel.
  2. Develop a solid business plan
  3. Secure necessary licenses and permits
  4. Choose a business structure
  5. Establish strong supplier relationships
  6. Invest in essential technology
  7. Craft a compelling brand identity
  8. Establish competitive pricing structures
  9. Develop a client acquisition strategy
  10. Prioritise exceptional customer service
  11. Stay updated on travel trends and destinations
  12. Leverage technology and marketing automation
  13. Collect client feedback and adapt services
  14. Build strategic partnerships
  15. Maintain a focus on sustainable travel (optional)

Benefits of starting, building, and running a travel agency business 

Growing demand: As travel becomes more accessible and affordable, the demand for personalized travel planning services continues to rise.

  1. Flexibility: Running a travel agency allows for a flexible work schedule and the ability to work remotely or from a home-based office.
  2. Scalability: Travel agencies can start small and scale up as they acquire more clients and build their reputation.
  3. Earning potential: Successful travel agencies can generate significant revenue through commissions, service fees, and markups on travel products.
  4. Travel opportunities: Owning a travel agency often comes with the benefit of exploring new destinations and experiencing travel products firsthand.

# Community Features

1. Flight Booking: Partner with airlines to offer flight bookings to and within Australia.

2. Hotel Booking: Integrate with hotel booking APIs to offer a wide range of accommodations across Australia.

3. Activity Booking: Offer bookings for popular Australian activities, such as snorkeling, surfing, and wildlife tours.

4. Package Deals: Create package deals that combine flights, hotels, and activities for a discounted price.

5. Travel Guides: Provide detailed travel guides for popular Australian destinations, including information on attractions, restaurants, and events.

6. User Reviews: Allow users to leave reviews and ratings for booked activities, hotels, and flights.

7. Travel Blog: Create a blog featuring articles on Australian travel, culture, and lifestyle.



Australian Travel Booking Platform


# Monetization Strategies

1. Commission-based Bookings: Earn a commission for each booking made through the platform.

2. Advertising: Display targeted ads on the website, focusing on travel-related businesses.

3. Sponsored Content: Partner with Australian tourism boards, travel companies, and hotels to create sponsored content.

4. Affiliate Marketing: Promote travel-related products and services, earning a commission for each sale made through the platform.

5. Premium Services: Offer additional services, such as travel insurance, visa assistance, or personalized travel planning, for a fee.


# Revenue Streams

1. Commission-based Bookings: 60% of revenue

2. Advertising: 20% of revenue

3. Sponsored Content: 10% of revenue

4. Affiliate Marketing: 5% of revenue

5. Premium Services: 5% of revenue


Australian Travel agency Booking Platform


# Marketing Strategy

1. Search Engine Optimization (SEO): Optimize the website for search engines to improve visibility and drive organic traffic.

2. Social Media Marketing: Utilize social media platforms to promote the platform, share travel tips, Blog and engage with users.

3. Influencer Marketing: Partner with Australian travel influencers to promote the platform.

4. Email Marketing: Build an email list and send regular newsletters featuring travel deals, tips, and promotions.

5. Paid Advertising: Use targeted online advertising, such as Google Ads and Facebook Ads, to reach potential users. 

Pay-Per-Click Advertising (PPC): Create targeted campaigns to connect with specific customer segments that are interested in various travel deals. 

Affiliate Marketing: Collaborate with travel influencers to exhibit your applications and reviews to a global target audience.

6. Traditional Marketing: 

Print Advertising: Utilize brochures, flyers, and posters in neighborhood venues, tour expos, and network hubs to attain a numerous nearby audience. 

Public Relations: Build relationships and logo credibility via neighborhood newspapers, magazines, and tour columns. 

Networking Events: Attend travel shows, new proposals, local marketing, and industry events for the community, and build partnerships within the travel industry.


# Launch and Growth Plan

1. Research and Planning: 3 months

2. Website Development: 6 months

3. Content Creation: 3 months

4. Launch and Marketing: 3 months

5. Growth and Optimization: Ongoing


This plan provides a comprehensive outline for creating and monetizing an Australian travel booking platform. Focus on providing a user-friendly experience, offering competitive prices, and building a strong community to drive growth and revenue. 

How to become a travel agent in Australia

To become a travel agent in Australia, follow these steps:

  1. Gain relevant education and training, such as a Certificate III in Travel or a Diploma of Travel and Tourism.
  2. Acquire industry experience through internships, part-time work, or entry-level positions in travel agencies, airlines, or tourism companies.
  3. Attend industry events, familiarization trips, and training sessions to develop your knowledge of destinations, travel products, and supplier networks.
  4. To differentiate yourself in the market, consider specializing in a specific niche, such as luxury travel, adventure tourism, or corporate travel.
  5. Join professional associations like the Australian Federation of Travel Agents (AFTA) to access industry resources, networking opportunities, and professional development programs.
  6. To demonstrate your credibility and professionalism, obtain necessary accreditations and memberships, such as ATAS (AFTA Travel Accreditation Scheme) and IATA (International Air Transport Association).
  7. Stay updated on industry trends, technologies, and best practices through continuous learning and professional development.


Australian Travel Booking Platform

Here are some additional tips for building a travel booking online business in Australia:

1. Utilize Local Partnerships
Partner with local Australian businesses, such as tour operators, hotels, and restaurants, to offer exclusive deals and packages.
2. Leverage User-Generated Content
Encourage users to share their travel experiences, photos, and reviews on the platform to create a sense of community and social proof.
3. Offer Personalized Recommendations
Use machine learning algorithms or human travel experts to offer personalized travel recommendations based on users' preferences and interests.
4. Focus on Niche Markets
Target specific niche markets, such as adventure travel, food and wine tours, or family vacations, to differentiate the platform from larger competitors.
5. Ensure Mobile Optimization
Ensure that the platform is optimized for mobile devices, as many users will be booking travel on-the-go.
6. Provide Real-Time Support
Offer real-time customer support through live chat, phone, or email to help users with booking issues or travel-related questions.
7. Incorporate Sustainable Tourism Practices
Promote sustainable tourism practices by offering eco-friendly accommodations, tours, and activities, and encouraging users to reduce their environmental impact.
8. Utilize Influencer Marketing Effectively
Partner with social media influencers who have a genuine interest in travel and Australia, and encourage them to share their experiences with their followers.
9. Offer Loyalty Programs
Implement a loyalty program that rewards users for repeat bookings, referrals, or other engagement metrics.
10. Stay Up-to-Date with Industry Trends
Stay informed about the latest trends and developments in the travel industry, such as new technologies, changing consumer behaviors, and emerging destinations.

Connecting Aussie Expats Worldwide: Creating an Online Community for Australian Expats

Online community for Australian expats: Idea is to Create a membership-based online community for Australian expats living abroad.


Creating an online community for Australian expats can be a fantastic way to connect people who share similar experiences and interests. Here's a more detailed outline of what you can offer to the community and how to monetize the website:


# Community Features

1. Forums and Discussion Boards: Create a space for members to discuss various topics, such as living abroad, culture shock, and expat life.

2. Groups and Sub-Communities: Allow members to create and join groups based on specific interests, locations, or professions.

3. Events and Meetups: Organize online events, webinars, and meetups for members to connect with each other.

4. Resource Library: Create a library of resources, including articles, videos, and podcasts, on topics relevant to Australian expats.

5. Job Board and Career Resources: Offer a job board and career resources specifically for Australian expats.

6. Business Directory: Create a directory of businesses owned by Australian expats or catering to the expat community.

7. Social Media Groups: Create private social media groups for members to connect and share information.


Online Community for Australian Expats



# Monetization Strategies

1. Membership Fees: Charge a monthly or annual fee for access to premium content, events, and resources.

2. Sponsored Content: Partner with businesses catering to Australian expats to create sponsored content, such as articles, videos, or podcasts.

3. Advertising: Display targeted ads on the website, social media groups, and email newsletters.

4. Affiliate Marketing: Promote products or services relevant to Australian expats and earn a commission for each sale made through the website.

5. Online Courses and Webinars: Create and sell online courses, webinars, or workshops on topics relevant to Australian expats.

6. Business Listings: Charge businesses for listing their services in the business directory.

7. Partnerships and Collaborations: Partner with organizations, businesses, or influencers to offer exclusive content, events, or resources to members.


# Revenue Streams

1. Membership fees: 30% of revenue

2. Sponsored content: 20% of revenue

3. Advertising: 20% of revenue

4. Affiliate marketing: 10% of revenue

5. Online courses and webinars: 10% of revenue

6. Business listings: 5% of revenue

7. Partnerships and collaborations: 5% of revenue


Online Community for Australian Expats


# Marketing Strategy

1. Social Media: Utilize social media platforms to promote the community and engage with potential members.

2. Influencer Marketing: Partner with influencers in the expat community to promote the website.

3. Content Marketing: Create high-quality content, such as blog posts, videos, and podcasts, to attract and engage with potential members.

4. Email Marketing: Build an email list and send regular newsletters to subscribers showcasing the benefits of the community.

5. Paid Advertising: Use targeted online advertising, such as Google Ads and Facebook Ads, to reach potential members.


# Launch and Growth Plan

1. Research and planning: 2 months

2. Website development: 3 months

3. Content creation: 2 months

4. Launch and marketing: 2 months

5. Growth and optimization: Ongoing

This plan outlines a general framework for creating and monetizing an online community for Australian expats. The key is to focus on providing value to the community and building a loyal member base.


Online Community for Australian Expats


Additional Tips for Building a Thriving Online Community

  1. Host Regular Events and Webinars: Organize regular events, webinars, and meetups to keep the community engaged and connected.
  2. Foster a Sense of Belonging: Create a private Facebook group or forum where members can connect, share their experiences, and support one another.
  3. Offer Exclusive Discounts and Benefits: Partner with businesses to offer exclusive discounts and benefits to community members.
  4. Create a Referral Program: Implement a referral program to incentivize members to invite their friends and family to join the community.
  5. Conduct Regular Surveys and Feedback: Regularly survey members to gather feedback and understand their needs, preferences, and pain points.
  6. Develop a Mobile App: Consider developing a mobile app to provide members with easy access to the community, resources, and events.
  7. Collaborate with Influencers and Experts: Partner with influencers, experts, and thought leaders in the expat community to provide valuable content, insights, and advice.
  8. Offer Personalized Support: Provide personalized support to members, including one-on-one coaching, mentoring, or counseling.
  9. Create a Community Newsletter: Publish a regular newsletter to keep members informed about community news, events, and updates.
  10. Host a Annual Meetup or Conference: Organize an annual meetup or conference to bring the community together, network, and learn from each other.





Thursday, December 26, 2024

Landing Your Dream Job in Australia: A Comprehensive Guide for Immigrants

          
Landing Your Dream Job in Australia: A Comprehensive Guide for Immigrants

Update your online presence: Create a professional LinkedIn profile and consider other job search platforms specially Seek.com.au

Tailor your resume and cover letter: According to Australian standards, highlighting relevant skills and Overseas experience.

When applying for a specific role at Seek or LinkedIn, it's very essential to tailor your CV to match the job description and requirements. This involves incorporating relevant keywords from the job ads to improve the chances of passing through the Applicant Tracking System (ATS) software used by most of recruiters.

To optimize your resume, always utilize tools like Jobscan to compare the job description (JD) against your CV. This analysis will provide a percentage score of keyword matching, helping you refine your CV to successfully pass ATS software and secure an interview opportunity. This strategic approach is particularly crucial for landing your first job in Australia.

Resume Screening Software

Many companies avail Applicant Tracking Systems (ATS) to filter and screen resumes before they reach a human recruiter. Other popular options for resume screening include:

Resume-io

HireVue

Taleo

Keyword Extraction and Matching Tools

For job applicants, tools like Jobscan analyze resumes and provide feedback on keyword optimization. Other software options for keyword extraction and matching include:

Resume Worded

Keyword Extractor

Resume Keyword Matcher

These software can help streamline the recruitment process and improve the chances of a resume passing through ATS.

Landing Your Dream Job in Australia: A Comprehensive Guide for Immigrants

Leverage AI Technology: Utilize ChatGPT for Comprehensive Job Search Preparation

In today's digital age, artificial intelligence (AI) has transformed the job search landscape. ChatGPT, a cutting-edge intelligence model, can significantly improve your preparation for interviews, CV writing, and cover letter composition.

Interview Preparation using ChatGPT: 

1. Practice responding to common interview questions: ChatGPT can provide you with typical interview questions and help you craft well-structured responses.

2. Improve your communication skills: Engage in conversations with ChatGPT to refine your verbal and written communication skills.

3. Research company-specific information: Use ChatGPT to gather insights about the company, its products/services, mission, values, and culture.

4. Prepare thoughtful questions to ask the interviewer: ChatGPT can assist you in formulating relevant questions to ask during the interview.

CV & Cover letter Writing and Optimization using ChatGPT:

1. Get suggestions for relevant keywords: ChatGPT can analyze job descriptions and provide keywords to incorporate into your CV as well as into cover letter. ChatGPT can provide inspiration for your cover letter, including potential opening sentences and anecdotes.

2. Improve your CV structure and formatting: Receive guidance on organizing your CV, including section ordering, bullet points, and action verbs.

3. Enhance your professional summary/objective: ChatGPT can help you craft a compelling professional summary that highlights your strengths and experience. Engage with ChatGPT to develop a cover letter in professional tone and writing style that resonates with your target audience.

By harnessing the power of ChatGPT, you'll be well-prepared to tackle the challenges of job searching, increase your confidence, and enhance your chances of success.


Research the Australian job market: Familiarize yourself with in-demand skills, industries, and companies.

To navigate the job market effectively, it's essential to familiarize yourself with in-demand skills, thriving industries, and leading companies. Salary ranges for specific roles are largely determined by the dynamics of demand and supply.


In roles with an abundance of qualified applicants, salaries tend to be lower due to the surplus of suitable candidates. Conversely, positions with limited qualified applicants often command higher salaries, as companies compete to attract and retain top talent.


Gaining insights into the job market will empower you to:

1. Identify lucrative career opportunities

2. Develop in-demand skills to enhance your employability

3. Negotiate salaries more effectively

4. Make informed decisions about your career trajectory

Landing Your Dream Job in Australia: A Comprehensive Guide for Immigrants


Getting Master's Degree or doing Local Certifications and Training

1. Obtain Australian Master's Degree or local certifications like Cert II Cert III, Cert IV Diploma etc: In your field, to increase job prospects (e.g., Education Support, IT, healthcare, Security, Aviation or finance certifications).

2. Upskill or reskill: Invest in courses & learning new skills that bridge gaps between your international experience and Australian industry requirements.


Networking and Building Connections

1. Attend job fairs and industry events: Connect with potential employers, learn about job opportunities, and gain insights into the industry.

2. Join professional associations: Related to your field like Engineers Australia etc, to expand your network and stay updated on industry developments.

3. Connect with Australian professionals: On LinkedIn and ask for advice or referrals in their companies.

4. Participate in online forums and groups: Related to your industry or job search, to build connections and stay informed.


Volunteer Work and Internships

1. Volunteer for Australian organizations: To gain local experience, build networks, and demonstrate your commitment to the Australian job market. it may end up as a full-time paid job in most of cases.

2. Consider internships or work experience programs: To gain practical experience and make industry connections. applying for graduate engineer role can help as a entry point in big organizations.


Leveraging Your International Experience

1. Highlight transferable skills: Emphasize the skills you've developed in Pakistan or in middle east or anywhere in overseas that are relevant to the Australian job market.

2. Showcase your cultural adaptability: Demonstrate your ability to adapt to new cultures and work environments.


Job Search Strategies

1. Utilize job search platforms: Such as Seek, Indeed, or LinkedIn Jobs.

2. Leverage social media: Use Twitter, Facebook, LinkedIn or other platforms to connect with potential employers or industry leaders.

3. Network with recruitment agencies: Specializing in your industry or job function. Call them in the morning time to introduce and ask for job opportunities as well.

4. Prepare for common Australian job interview questions: Research and practice responding to behavioral and technical questions. use ChatGPT for this purpose.


Reference Check

In Australia, employers typically require two professional references as part of the hiring process, usually after an interview and before extending a job offer. Ideally, references should be from Australian-based colleagues, peers, or supervisors who can attest to your work performance and skills. Overseas references are generally not preferred, as employers prioritize local references familiar with the Australian work environment.

Landing Your Dream Job in Australia: A Comprehensive Guide for Immigrants

Additional Tips

1. Accept part time and casual job offers initially even if its not a high payrate later on with more connection you will eventually land a fulltime job as well.

2. Be patient and persistent: Job hunting can take time, so stay positive and focused.

3. Seek support from migrant resource centers: Organizations like the Australian Government's Department of Home Affairs or migrant resource centers can provide valuable guidance and resources.

4. Stay open-minded and flexible: Be willing to consider different job opportunities, industries, or re-locations.



Wednesday, December 11, 2024

Mastering Personal Finance: A Guide to Managing Your Finances and Building Wealth

Personal finance refers to the management of an individual's or family's financial resources, including managing Personal Finance could be short term as well as long term. It includes calculating one's net worth, Income, Expenses, Savings, Debt, Investments and managing financial goals such as buying a home, funding education, or retiring comfortably.

Mastering Personal Finance: A Guide to Managing Your Finances and Building Wealth

Effective personal finance involves:

1. Budgeting: Creating a plan for managing income and expenses. Budgeting is keeping track of your income and expenses, so you know where your money is going every month

2. Saving: Building an emergency fund and saving for long-term goals.

3. Investing: Growing wealth through informed investment decisions.

4. Debt management: Paying off debt timely and managing credit responsibly.

5. Financial planning: Creating a comprehensive plan for achieving financial goals.

Certain fundamental principles of personal finance are essential to grasp. For instance, it's advisable to refrain from purchasing expensive vehicles and curb excessive spending on luxuries. Additionally, it's crucial to recognize that one's primary residence is not typically considered an asset. Entrepreneurship is a viable pathway to achieving financial success, including becoming a dollar millionaire. 

Mastering Personal Finance: A Guide to Managing Your Finances and Building Wealth

By managing personal finances effectively, individuals can:

1. Achieve financial stability and security

2. Build wealth over time

3. Reduce financial stress and anxiety

4. Make informed financial decisions

5. Enjoy a better quality of life

I suggest everyone must have their own personal finance excel sheet ready on their computers and it should be updated every month i follow the same for myself in Australia. Creating a personal finance Excel sheet is an excellent way to track and manage your finances. Here are some additional items you can consider tracking:

Make a list of your Monthly Income on Excel Sheet how much money is coming in it may include as below.

1. Salary/Wages: Regular income from employment

2. Investment Income: Dividends, interest, Inheritance and capital gains

3. Freelance/Consulting: Income from freelance or consulting work

4. Rental Income: Income from rental properties

5. Other Income or Cashflows: Any other regular income sources or cashflows


Make a list of your Monthly Expenses on Excel Sheet how much money is going out and try to reduce it.

Keep actual expenses receipts or track expenses from bank statement compute an average and enter details into excel sheet, Expenses may include as below. you will get to know total monthly expenses by summing up all below expenses. it can be multiplied by 12 to get annual Expenses.

1. Housing: Rent/Mortgage, utilities, maintenance

2. Transportation: Car loan/lease, gas, insurance, maintenance

3. Food: Groceries, dining out

4. Insurance: Health, life, disability, other

5. Debt Repayment: Credit cards, loans, mortgages

6. Entertainment: Hobbies, movies, concerts, travel

7. Clothing: Clothing, accessories, dry cleaning

8. Healthcare: Medical expenses, prescriptions, wellness

9. Taxes: Federal, state, local taxes

10. Miscellaneous: Gifts, subscriptions, unexpected expenses

Make a list of your Monthly Savings on Excel Sheet

Normally Monthly saving is calculated by subtracting monthly income and monthly expenses on excel sheet. it can be multiplied by 12 to get annual Savings.

Calculate your Total Net Worth on Excel Sheet

By simply adding all bank accounts balance worth of assets and subtracting liabilities NetWorth can be calculated

1. Assets Cash, investments, retirement accounts, property

2. Liabilities: Debts, loans, credit card balances


Make a list of all Investments and try increasing income on Excel Sheet

1. Stocks: Individual stocks, mutual funds, ETFs

2. Bonds: Government and corporate bonds

3. Real Estate: Rental properties, real estate investment trusts (REITs)

4. Other Investments: Cryptocurrencies, commodities, etc.


Make a list of all Charity/ 2.5% Zakat you do on Excel Sheet

1. Donations: Cash donations to charitable organizations

2. Volunteer Time: Time spent volunteering for charitable causes

3. Gold and jewelries Calculate total gold you have on excel sheet it helps in calculating actual gain in value of gold and in calculating contribution of charity and zakat.

Mastering Personal Finance: A Guide to Managing Your Finances and Building Wealth


Additional Items to Track on Excel Sheet

1. Credit Score: Monitor your credit score , current assets distribution percentage and other reports

2. Debt-to-Income Ratio: Track your debt payments as a percentage of your income

3. Savings Rate: Monitor your savings rate as a percentage of your income

4. Investment Returns: Track the performance of your investments

5. Financial Goals: Set and track progress towards specific financial goals, like saving for a down payment on a house

6. Expense Ratios: Track your expenses as a percentage of your income, to identify areas for improvement

7. Cash Flow: Monitor your inflows and outflows of cash to ensure you're managing your finances effectively

8. Family ID Documents & Passports expiry date can be tracked for the purpose of timely renewals


Build a skill that generate freelance income, invest in assets that grow over time and launch a side hustle that aligns with your passion. I am sharing ideas for side hustle and specifically for passive income streams it will certainly help you to become a multi-millionaire one day.

                                                                   
Passive income idea



The 50/30/20 Rule

Allocate your income into three categories using the 50/30/20 rule:

1. 50% for necessities: Rent, utilities, groceries, transportation, and minimum debt payments.

2. 30% for discretionary spending: Entertainment, hobbies, travel, and lifestyle upgrades.

3. 20% for savings and debt repayment: Emergency fund, retirement savings, and debt repayment.


Sharing a screenshot from my Personal finance sheet for reference of readers


Mastering Personal Finance: A Guide to Managing Your Finances and Building Wealth



Mastering Personal Finance: A Guide to Managing Your Finances and Building Wealth


Regards 

Waqar



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