Hello Sir,Wish you and your loved ones a very Happy Diwali.We love educating our members and readers about financial discipline so that they are able to manage their money much better.Let me share with you a simple personal finance concept that might help you create that template.4 funds to manage your earnings better:Regular expense fundInvestment fundEmergency fundBig ticket purchase fundRemember, the figures mentioned above are not sacrosanct and can change depending on oneโ€™s income or financial situation; however, we do…