Personal Cash Flow Management I have seen many blogs written about monitoring the expenses and some some blogger's recommendation of apps which could monitor our expenses in detail . Frankly, I didn’t monitor my expenses in such manner and I “ agak-agak”  know how much I spent monthly on those fix items and some major items yearly such as holidays & staycations , insurance , home appliance ( like recently changing my TV and refrigerator after using it for many years ) , no tax since no active income etc… From my yearly dividend & interest collected, I know roughly my cash flow situation which is of course still  in +ve after minus out all those expenses.  Sometime I think it might be too extreme to ban or reduce frequency of drinking “ Starbucks “ just to save few dollars (just kidding !! ) , such extreme and tight control of our expenses may end up with deteriorating lifestyle ......