Remember the last time you said to yourself, “If only i…”

Self-reflection is a powerful thing. It’s the reason why people like myself buy books like “The things i wished i knew at 20.” or “Things I would say to my younger self.” I sometimes reflect on my childhood year with amazement and hilarity, especially with regards to my money spending decision. Although I am still very much in the learning process and there are probably a hundred and one things i do not know. But what I do know are the things I should not have done. That i am very sure of.

1. Save before you spend – Although this is exactly the reason why this blog was set up in the first place, I can’t help but repeat myself like a broken record. Savings may be old fashioned and even lame to some but it sure works. Whether it’s a piggy bank, savings accounts …