My passion for personal finance started 4 years ago when I was 16 after completing my O Level and waiting for Polytechnic to start. At that point in time, my only goal for personal finance is just to save as much money as possible from the allowance given by my parents. If you have read the interview that I did with FI Pharmacist previously, you would have known that I do not come from a well off family and my growing up years were not the same as my other friends.  Saving at least 50% of my monthly allowance has been my target ever since I started this journey and I have been trying to keep within my limit without doing any specific budgeting like how much I should spend on food, entertainment etc. I am satisfied so long I have reached my target of saving 50% each month