We hear this everywhere and it’s common knowledge that we live in a consumer-driven society. With prices sky-rocketing and the possibility that GST will be increased to 9% is not helping the increase in expenses. We ALL know that it’s important to spend our money wisely and keep track of our finances and that is what Seedly is all about; helping people in their personal finance! Knowing this, how do we know if we are spending excessively, in other words, if we are spending beyond our means? This guide is based on the average Singaporean, we understand that everyone’s financial situation is different, so do take this with a pinch of salt ???? 1. You Are Not Saving Money In our article on allocating your monthly salary, we ......