I read many articles that talk about prudence and frugality. The message across is a timely reminder as an individual should not spend beyond their means, especially the inflationary pressures in Singapore. In other words, think about saving first (paying oneself) before paying off your bills, much least spending the extra cash. Think about building your emergency fund first. Think about the definition of delayed gratification, so that you are able to build your current cash flow. From less to more, isn’t that fantastic?

However, being overly obsessed with every dollars and cents may bring you to the point of over practicality, such that you get upset if you spend twenty cents more over a cup of coffee. What I mean is, you hold the reign of money in such tight control that you forget the essence of life’s little pleasures – the hobbies or inner benefits after spending (e….