If I have a word of money management advice to all readers, I have this to pro-offer: please track your expenses (like me). If possible, categorize and record all your spendings on an Excel spreadsheet and you will really see how much you spend in a month! From my own experience, unless you are a successful entrepreneur, trader or a great salesman, if you are like me, in a full-salaried employee, earning an average or some will say "lesser-mortal" pay, I think it will really be very difficult to earn a significant sum over and above your monthly income. Hence you may want to cut down your expenses so that you will have more to save and to invest, multiplying your savings many times (if you are successful!). I do not like more and more shopping centres sprouting up, these are really temptations for you to spend your hard-earned ......