Blue Ocean Shift In My Spending 1

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…

Monthly Planner

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…