With the end of the year coming, Mr Budget tend to reflect towards what has happened over the year and see if there are any aspects in life which we can improve on. 

Of course, it is still a bit early for that as we have 2 more months before the end of the year.

But we thought it is important to sit down and discuss some of the more important things for Mrs Budget and myself, seeing that we were recently legally married and our wedding will be happening early next year.

Mid way into our relationship before we became Mr and Mrs Budget, I remember that one night when the Mrs and myself sat in the car and spoke the first time about our finances. 

Personal finance is a taboo topic among all asian families and is a hard topic to