I have just settled my bills today, and it was a huge amount. I noticed that the more I earned, the more I spent. So it’s time to do a proper financial planning so that I won’t waste off my hard earned money easily. I may transfer some part of the money to a fixed deposit and may also get some gold coin if I’m making more and more! I seldom wear gold jewellery, but if I would to get them, it is only for investment. If the gold price is increasing high enough, I will sell them off and make a fortune!

However, before I proceed so much into investment, let me work out with my spending first. If I make more and spend more, I will end up with nothing right? But I can be really thrift if I want to. I have got most of the things I need, I won’t be buying much from now onwards.