How good are you with your savings and investments?

[arunima25]

To be adept at saving and investing, I prioritize disciplined financial habits and strategic decision-making. I meticulously track my expenses, distinguishing between needs and wants to curtail unnecessary spending. Setting clear financial goals helps me stay focused and motivated, whether it's building an emergency fund, saving for a down payment on a house, or planning for retirement.

Those are some really valid points. One definitely needs to be financially disciplined to start with saving. Having a meticulous budget and sticking to it is so important. One has to know their financial capacity and then plan their budget. We often get tempted for impulsive buying. It's very important to prioritise our needs before the luxuries and indulgence. 
Your financial obligations are the most important things to be tackled. And it is always wise to factor the emergency fund. Life is unpredictable.