Last night, I was having a chat with Mrs Budget before we go to bed. I told her that in 2020, we need to have more intentional living, otherwise, another year will pass and we will waste another year again.

I think this is timely because we are still at the start of the year and it is probably a good time to set certain goals for the year, and even if we don’t achieve most of them, we will still achieve something.

So for 2020, other than personal finance related goals, I told Mrs Budget that we should host more of our close friends over at our place.

Since we are staying at a private housing, and are paying monthly mortgages and maintenance fee, we should try to make use of the facilities and our house more before we get lazy few years down the road. We