In the current society we live in, everything requires money. Or maybe we should say almost everything requires money. Besides our daily necessities, as humans, we also desire to spend on luxuries such as an overseas holiday, eating out at restaurants, buying a car etc. We have heard of the need to save and save. But the truth is, we still need to spend and we want to spend on some enjoyments. Now, how do we spend on enjoyments but still have money after the indulgences? An overseas holiday An overseas holiday is what most of us will go for if we want some enjoyment. A holiday to Europe probably will cost you a few thousand dollars. Most of us will try to save up for a few months before going for an holiday. After spending that few thousand dollars on that holiday, we're back to square one. Our bank ......