HTS=hard to save. Something I realised after I started working. Whe you start earning more, you would really spend more and saving really depends a lot of 3 different factors.
1.How is your spending habits?
2.Is there any sudden events that require you to "dig" out your saving?
3.How strong is your determination?
So people, please plan your finance cause we are not yoing anymore and soon, we would need to buy some real big ticket items.
Tuesday, September 22, 2009
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