Remember the old saying, " one cent saved is one cent earned", there is no financial advice that does not start by propagating this fact" saving" .
In this trying time of escalating cost of living, if we are not careful of budgeting ourselves, most probably we will end up with more debts than saving.
Guess it is easier to find excuses to spend than to save, it is even easier to go without budget than going with one.
A friend of mine who has finished his car loan of RM 600+ a month about a year ago, when asked whether if he could save that amount every month now that he is not paying the car installment,
surprisingly, he said he cant even save half of it.
P/S, Budget is the best medicine for financial ailments