THE FINACIAL DISCIPLINE 
                  PROCESS
                         ACTION 1                                  ACTION 2                    
       ACTION 3
        INCOME 
                                                                                                              
         FROM 
                                                                                                             FIXED 
                         BUDGE
    E   MULTIPL             T
            E             SAVING
                         INVESTING
                                                                                                                    
    COMM. E                                                                                                      
        SOURCE           SPENDING
                                                           
            S
                                                                                                                     D 
    E
    FINANCIAL MANAGEMENT
  FINANCIAL MANAGEMENT IS HANDLING 
  OUR FINANCIAL SITUATION IN A 
  RESPONSIBLE MANNER TO ACHIEVE 
  FINANCIAL INDEPENDENCE.
  (MITCHELL, 2011).
  THIS IS ACHIEVED THROUGH 
  CONTROLLING INCOME AND 
  ORGANIZING EXPENSES THROUGH A 
  DETAILED FINANCIAL PLAN.
  IT REQUIRES: BUDGETING; SAVING; 
  INVESTING; DEBT MANAGEMENT AND 
  PERSONAL FINANCIAL GOALS.
        FINANCIAL DISCIPLINE
       
      TAKING CHARGE OF FINANCES AND LETING THE 
      MONEY WORK FOR YOU.
       
       WILLINGNESS TO FOLLOW A FINANCIAL PLAN.
       
       DECIDING:
        HOW MUCH TO SAVE 
         30/70 % RULE 
         THE SMALL DOUBBLING UNIT MODEL. (20, 50, 100, 200, 500, 1,000)
        WHERE TO SAVE
          SAVINGS DEPOSITS
          CAPITAL SHARE DEPOSITS
        HOW OFTEN THE SAVING SHOULD BE
        HOW TO PROTECT THE SAVINGS (INSURANCE?)
        FOCUS ON INVESTMENT
        WHAT TO INVEST IN
        HOW MUCH TO INVEST
        HOW TO PROTECT THE INVESTMENT (INSURANCE?)
       
       FOLLOWING A STRICT BUDGET/A RESPONSIVE BUDGET.
   3 LEVELS OF COMMITMENT
   Rational
   Motivationa
   l         Productiv
             Productiv
              ity
              ity
   Emotional
            THE THREE ASPECTS OF 
                       COMMITMENT
         REASON             MOTIVATION                 EMOTION
          SAVING       A BICYCLE, MOTORBIKE, A   EASY MOVEMENT,
                           CAR, AEROPLANE        PRESTIGE,
                                                 TRANSPORT SERVICE,
                                                 CREATE WEALTH.
        INVESTING      START A BUSINESS (SME),   IMPROVE LIFESTYLE,
                      BUY A HOUSE, BUY A PLOT,   TO GROW EARNINGS
                      OPEN A YOU-TUBE CHANNEL  (CREATE WEALTH)
                        TO MARKET A TALENT.      PREPARE FOR FUTURE 
                                                 NEEDS