As we grow older, the carefree days are slowly replaced by "care-more days". Care for your income, care for your family, care for your spending - so on and so forth.
This post, however is specially dedicated to one thing I have to care about - Care to Save and Spend.
Growing up, I have to admit I have not paid much attention to how much I spend.
When I was 10 years old, my goal is just to make sure I have sufficient pocket money to buy that ridiculously mouth watering fried chicken for lunch at the canteen. By the time I was 20, my pocket money was to cover for more things - but mostly entertainment and good-to-haves like movies, food, and trips with friends while I was abroad. Now that I am 30, the financial needs are for much crucial things - like home renovation, sending kids to school, pre and post maternity expenses, buying a family car...and the list goes on. All of the quoted expenses are in thousands and yet my fixed salary is growing at a rate that, admittedly is much lower than my growing expenses.Read More