This is not for you to be selfish. This is a guidance for you to keep on moving with your life without worries.
Money is so important in our life. Please tell me who says that money is not their priority and let me have a look at their bank accounts.
In order to live in this life, you need money.Let me list down the importance:
1) If you are sick, you need money to keep you healthy (buy medicine, operations etc)
2) To continue your studies, you need money to pay for the fees, books, photocopies, printing and so on.
3) To get married, you need money even if it just serving food and beverages to the guests.
4) Pay the debt as soon as possible, because I do not want to be burden with debts when i grow older. It is not healthy for my financial diaries too
For my list, I think further:
1) I need to own my own house ( under my own name) for my long term investment or treat it as retirement home once i grow older. If i destined to share with my husband to have a house, it will be another house and not this house for sure.
2) Once I have a baby/ babies (the savings must start from the day my babies were born). They do not have to borrow from banks or education funds to further their studies.This will not burden their life once they starts working. After all, providing monetary funds for their education are parents' responsibility and not the banks or education funds. if they are destined to receive scholarship, it will be a bless from God.
3) To have my own investment account / savings account that cannot be touched by my husband or my kids. This is to ensure that when i am older and no husband or kids or have kids but they are not able enough to spend me some money, this will be my retirement funds for my old times.
4) Insurance is important,therefore i must hold an insurance (s). Anything can happen to you and you might not know that your savings are not enough to pay for the hospital bills and medications.
5) Ensure that I don't be living in a too rich world or too poor world. Just moderate would be fine. I don't fancy keeping a collection of shoes or clothes that I hardly wear , and I do not want to have excess of many things at home.
I will update my list as and when..