Pay Yourself First!

by Sandi Saksena

Why did you come here what is your objective - more money, better life, paying off debts starting afresh?

Prioritize your reasons Stay focused. Don’t get sidetracked.   


Open a savings account in YOUR name. AUTOMATE by standing instruction to your bank to debit 10% of your salary when it is credited to a Start a savings/investment plan for your FUTURE – you now have 90% to spend. 

Build at east 3 month’s income which will become your Emergency Fund if you have a financial crisis.

Living with spouse/partner/friend

Keep separate accounts

Maintain strict contribution/budget/spending rules


Don’t compensate/ask for compensation when budgets are compromised Just cut back.

Choose cheaper Accommodation, stores to buy groceries toiletries clothes

Dress intelligently mix match accessorize

Invest in yourself take membership to a high profile business club (dinners/lunches/gala events are generally FREE) -gives you access to HNIs to improve/business/job prospects

Reduce eating/drinking out

Check prices before you order anything

Avoid ordering teas, coffee, water, juice, soup, salads

Use discount coupons

Don’t spend your hard-earned money to make/keep friends

Attend events that are free


Be intelligent when entertaining for business. Negotiate with restaurants/stores for discounts for continued business/bringing potential clients.

Metro/car pool instead of Uber

Volunteer your business services in return for access/exposure to better your earnings.

Choose where you should be seen, heard, read. 

Repeat Umpteen times


I am choosing to make the time to take charge of my money. No matter how much money I have, I am making my money grow. It is not selfish to take good care of myself financially.  It is self-respecting and self-caring and ultimately makes my relationship with others more satisfying 

About Sandi

Sandi has lived in the GCC for 46 years. Circumstances forced her to enter the work force at the age of 44 she had no prior work experience to create a CV.  


Sandi devotes her time to her job in personal financial planning with Nexus Insurance Brokers. She also heads the division ‘Family Matters’ at Echelon Advisors and Management Consultants, her family firm.  Her primary focus is the Financial Independence and Empowerment of Women.  


Sandi is an avid contributor to the media on topics related to personal finance, a regular guest speaker on radio and TV and is frequently quoted in the business pages of local and international publications.Sandi uses her expertise in financial planning and talents in public speaking at conferences and seminars to build awareness and promote financial Independence for women. 


1.By CEO Clubs Network ( Platinum Award in Corporate Leadership

2.UNASCO and WILTME for supporting Women’s Initiatives and Women Empowerment in an Outstanding and Professional manner over the years

3. 2016 Personality of the year World of Women Film Fare Middle East in recognition for valuable contribution to woken in the UAE and beyond

4. 2017 Super Women Achievers Award -By 4th Women’s Leadership Congress and Awards Mumbai

Other positions in the community

Founder –Lakh-ME a Trust in India focused on the Financial Independence of Women

Permanent Trustee and Partner Manzil Center for individuals with special needs

Board member Business Women’s Division CEO Clubs

President- Women in film and Television UAE

Life member Athena International

Article by Sandi Saksena

Photo: Paule Knete


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