Budgeting

Christmas is in the air. I smell Christmas everywhere – Christmas songs at the shopping malls, Christmas wreath on my neighbour’s office door and Christmas promotion sales on the local newspaper. I am not sure with you, but for me, I have a strong urge to spend a lot during holiday seasons, especially Christmas and […]

I had always heard people around me complain they don’t have enough money, especially from the third week to the last few days of the month. Do you face the same problem as well? If yes, it’s time for you to plan your spending by doing some budgeting. Take one step at a time. Start