Ever since I embarked on my journey towards Financial Freedom 3 years ago, I have been keeping a frugal lifestyle in mind so that I will not be trapped into a financial sorry situation. Even though I was financially literate by the time I finished my studies, I was realistically financially illiterate. I went from a hero graduate student to a zero net worth junkies. And then one day I had a dream. A dream that I could be successful. A dream where my time is my own. A dream where I can wake up when my body is ready, go to sleep when I am tired and never again live by schedules other than my own. I am a changed person now.

Now, we often hear people around us complaining about their financial situation. A few, we may argue, are worth a sympathy but most are plain ridiculous. We hear people ...