In a recent column entitled “The 3 Ms of  Money,” we discussed the principles of financial achievement - managing, multiplying and maintaining your money. Over the coming weeks, we will examine these three pathways to money success in greater detail. The key to managing your money is knowing what to do with the money that you are already earning, so that you can comfortably pay your bills and work towards attaining your goals. There are four components to successful money management, which, like the ingredients in a recipe, are all essential to producing the perfect end result.