Think early manage properly

Hello everyone! This post should help you to decide what needs to be done.

Finance means managing funds and other assets but when we start our professional career after completion higher education what money means to us.

I have to buy latest mobile phone – It will help me to stay connected with latest happening around and may be for showoff.
I have to buy latest laptop – It will help me to learn new things, lot of things can be managed online sitting at one place.
I have to buy an iPod – Oh God too much traffic these days mobile phone can’t be alternative of an iPod. Great relief from loneliness.
I have to buy Gaming Console – Laptop, Mobile, iPod can’t help on weekends need this for entertainment and obvious relief from stress.
I need to visit GOA with friends – After long working days this week we got one holiday and guess what its Friday so we are going to GOA.
I have to eat in best restaurant in town – Oh no not anymore office cafeteria food sucks so we are going to mainland china this weekend.
I have to buy branded stuff’s – This stuff’s are necessary we can’t delay buying this.
I need to visit my native – Minimum 3 time in a year may be more.

We all feel this “I have to” to be fulfill ASAP once we start our professional life.
So we start buying one by one and our savings a/c goes for toss. After 2 years we realize need a sporty looking bike or small car, city transport is not reliable these days anymore. Need to buy a bike or car after achieving most of the items mentioned above. Most of us choose bike or car loan option but few lucky people get funds from family. Oh no this years how I can manage my expense I don’t have money in my savings a/c and EMI starting from next month at this point most of us start thinking about changing our job or promotion. After one year it’s too hard to manage life as funds are not enough after paying EMI, Credit Card bill, phone bill, Internet Bill, Room Rent, Family expense etc. This time if I don’t get good increment then I have to change my job.

Yes I got a new job or increment I have to give party to my colleagues/ Friends and also little money can be used for other reasons. After 3 months just changed the job but still it’s too less package I’m getting compare to my friends x, y, z. but here I have to work for at least 6 months to 1 year or just got promotion so can’t put paper for 6 months.

Now I’m 27+ years old and have a committed relation need to get married with her sooner then later or my family is planning for my marriage. Oh no not now I don’t have enough funds to think about marriage. My friend x got married last month but he got good support from his family. Last night I was too busy to check my credit card bills and 10 to 15 items I can’t remember why I swipe my card. Today I was not able to concentrate on my regular tasks my colleague asked me what happen why looking so serious.
So now I started discussing with some close people how to manage finance and also started thinking about marriage, family, children and buying own flat or house. But it seems not so easy.

So how I should have manage my finance from day 1 of my professional life or what I did wrong.