Most of my friends are quite conservative when it comes to money. Recently, one of my friend proudly told me that she has about 15 credit cards so that she can always decide which card has the best deal. Another friend of mine told me that the money changer at Mustafa offered better rates and said I should go there to change my money. There are many more such examples of people who aim to save every single cent and get the best deal possible. In theory, there is nothing wrong with that. After all, a penny saved is a penny earned. However, I guess that is just not my style. In my opinion, personal finance is about getting the big decisions right so that we don’t have to worry about the minor stuff. After all, there is one commodity that is limited for everyone, that is time. To me, ......