You might not like hearing this, but have you ever wondered why you’re chasing after the latest trends or material possessions?

Granted, they’re awesome!

But are you spending too much time and effort on it?

Have you stopped to check in with yourself? Are you really happy?

Allocating your salary and getting a suitable high-interest savings account are some of the first few steps to personal finance, so ahem, what are you waiting for?

We’re not saying that you’re not supposed to buy and enjoy your car and your condo, just make sure it’s within your means and you won’t end up incurring too much debt!

Even if you’re not a spendthrift, you’ll still need a substantial amount of savings to support your basic needs throughout your retirement years.

Yeap, you guessed it, putting in some effort to save the environment can also save you