Being a resident of one of the most luxurious and technologically advanced cities in the globe certainly has its perks. You earn a lot of money and can afford fantastic holidays twice a year, you sit in the first row to see the world changing and financially – you’re on top of the world. But from time to time, a devastating thought comes to mind – am I spending too much money? What am I even doing here? This usually happens when some unexpected expenses occur.

How do you make sure, then, that you always have some money saved for the rainy day? Here are top sensible pieces of advice you can hope for and which you can implement TODAY. No more of ‘I don’t have time/I can’t afford it/I can’t do it’.

Put your credit card to a better use

A credit card can be your best friend …