Budgeting

I always believe budgeting plays an important role in managing my money. Imagine you earn RM10,000. And you spend RM11,000. Because you don’t do budgeting, so you overspend.

Holiday Spending List – Christmas 2008 Part II – Affordable, Meaningful and Healthy Gift Ideas

Among my early childhood memories of Christmas is Santa Claus with his huge red big bag filled with all wonderful Christmas gift. Another memory is beautiful Christmas stockings filled with Christmas gift and candy sticks hung over the fireplace. Yes, Christmas is the time filled with joy and gift exchange between friends and family members.

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