With the mounting higher rate of inflation due to implementation of GST in April 2015 and terrible weakening of the Ringgit exchange rate from late 2015, I have decided on some austerity exercise to see what expenses I can reduce.
Balancing your home finances can be tricky. Matching the income against expenses while doing savings for the future take some work.
Time sure flies really fast. I guess the rat race is non-stop. Before you know it, 2 months has already passed since the New Year, including the Chinese New Year celebration! Year 2016 bode some very challenging times ahead for work and personal. And the scandal involving top politicians and their uncaring policy is causing …