The first move to build a financial portfolio is to live within your means. If you don’t have a job, then you must first get one. Live within a fixed budget and save at least enough equal to 3 months of your living expense, then start saving in the bank until you get to the point of having sufficient money to invest. Do not touch the money equal to your 3 months living expense.

It is highly recommended to have a secondary income channel. I know it is hard to do that these days with the unemployment problem. But there are business opportunities available out there that doesn’t require a large amount of investment to start. Should you need payday advances just to get started with a business, study your options well and make a decision.

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