In Singapore, we have systems to follow such as buying a train ticket, booking a movie ticket online etc. This goes the same as our personal lives. We have a basic system of survival - breakfast, lunch, dinner.

In your personal financial aspect, do you know your system well at your fingertips? For example, where your monthly income goes to and where does it gets funnel out?

A system to ensure that:

(a) Account A is used for emergency funds
(b) A % of your monthly take home pay goes to a savings account that is untouched?
(c) Extra MSI (multiple streams of income) goes to account C for specific purposes
(d) Dividends earned from shares channel back to ??? or kept for a reason?
(e) Monthly fixed expenses are debited from a separate current account?
(f) An account setup for big ticket items in the near future or for hobbies?
......