Yesterday the Sunday Times once again reported how a cleaner was duped of her $400,000 hard-earned monies, again this is an example of money management for all of us. Just a month ago or so, we heard of how a million dollars in donation were not used carefully too. I understand how the cleaner must have felt as this is her monies after all. I used to lend a friend $2000 only to chase him back when he seemed not to return the monies to me. We are the owners of the monies we earn so we must be very careful to safeguard our monies. Apart from scams like the ons mentioned above and loans to friends (not trustworthy ones), other ways, other ways of having our monies going away from our pockets are believing in some salesmen and buying not useful products. I am sometimes on the receiving end ......