They said that people get their money habits from their background and the kind of cultural baggage that you carry since the moment you are born till now. I think it's true. Let's see what kind of money habits are inculcated in me either subconsciously or directly:





My family just had enough, and not much more. Having two boys who are two years apart, my parents must have spent quite a lot on preparing for our education needs. As a result, there's not a lot of excess spent on other things like enrichment or play stuff. I remember I was getting pocket money in secondary school amounting to $60 - $80 and $120 in university, all inclusive. As a result, there isn't any excess to be spent on shopping or trips to orchard road (I didn't go orchard road until army, horrors of horrors.........