This, my friend, is the simplest and happiest solution you’ll ever have to employ over the lifetime of your career.

Hello all! How are you doing? With myself already more or less adapted to the life of a soldier, I was asked this question by my ex-colleague through whatsapp. (That’s why everyone should have at least one financial blogger as a friend- to get free financial consulting lol) This question almost made me pull out all of my hair, but fortunately, I didn’t have much after shaving just 2 weeks ago for $2 at Pulau Tekong.. I understand that most of you are longing for that pay raise coming this Year of Sheep. However the debate never ends on whether if you should channel that 4% raise monthly straight into your savings account or just budget the well-deserved sum into your monthly spendings. The latter option is assuming you’re a mid-financial-savvy guy with the habit of saving up your annual bonuses in your ......