In recent years, more and more Singaporeans have been falling into the trap of overspending and landing themselves in massive debt. Is budgeting that difficult, or is it a classic case of “enjoy now, be sorry later”? – The topic of budgeting came up again on my radar recently. I was discussing wedding budgets with a few friends who are walking down the aisle soon, and somehow (because us girls like to gossip) the conversation drifted to how much we’d overspent for the month and how “broke” we were feeling. “I just blew $8k on a wedding package,” huffed J, who had been complaining about how she felt she had been hard-sold by the bridal boutique. “Now my parents are asking for more dinner tables. And I haven’t even finished planning for my honeymoon!” The rest of us nodded gravely in support. One by one, we started opening up ......