I can't remember what was my New year resolution last year, and as the New year had started, I thought I will try to have one. I try not to be too ambitious here, if there are too many resolutions, it might be hard to keep to it. I am sure many people have already made their new year resolution, but I am not sure how many of these resolutions are about improving one's financial health. I am going to start with a basic one, which is to keep track of my household expense. I still remembered I used to have an army mate who will record daily without fail, how much he spent into the good old blue colour small notebook. Over the years, I tried many times starting to keep track of my expense. It didnt last more than 6 months as it was too cumbersome to maintain. ......