Future plan is must if any one desires to stand on his life. Without it no one can be suceed in his life. We have to make plan from the very beginning.Though it is easy to say "money loss is nothing loss" yet I am not agree with this proverb for whole the life.

In every step of life we fell need of money and without it we can not live well. As for example if  any one desires to purchase one car then he must have to make at least down paymwnt for the same. We can say we do not like to purchase car .yes all right,but if you become ill ,you have to attend doctor ,have to purchase medicine, then how you will manageit?

Now I am coming to the point. For our bright future money is all in our life. At present market the employees of I.T. are drawing much amount which was beyond our imagination. it is right,but at our time we were able to purchase a flat only at the cost of rupeestwo lacs.Now a days the employees can not imagine to purchase a flat not less than forty lacs.Not only this ,in every step of life we need money to live well. So future planning is must and have to form a habit to save at least 1/3 rd of his pay, otherwise he have to suffer much in coming days. Here I request all the employees of Govt. service to remain honest as far as possible.Due to honesty he may be humilated by others but at the end of life he will feel proud for the same

.........Dhiraj