I am a sucker with it comes to budgeting in detail. The 5 minutes of figure plucking excitement nearly always ends in frustration to see that the actual figures do not go as plan. Since I am one of those who is afraid to overspent, do I really need a budget? “If you fail to…
Think about the last time you score a financial win. What was the key that made the win possible? Was it a sale, a clearance? A downgrade of your standard? Or your perspective shifted? For the longest time, I had to choose between a cup of RM13 artisan coffee or an RM2.5 tin coffee. Survey…
When my net worth is zero, it is important to me that every cents count. I need a plan, a free plan. I had a sheet made from excel and use that as my planner. Now, I treat this loosely like my monthly event planner with cost in mind. Here’s how it looks like so…