How much do you have in your savings? How much did it increase/decrease over the past few months? If your savings remained stagnant or even decreased, there is something wrong with your money spending habit. Join My Tele Channel Here If you don’t even have an emergency fund saved up to pay up your immediate expense (eg $2000), this mean that you don’t even have enough to cover future expense or luxuries. What can be done to solve this? By paying yourself first. I am a victim of not abiding by this rule as well. During my days in army, I was a section commander (3SG) earning around 1k per month from my NSF allowance. Each month, I would spend regularly on food at the Canteen/Mess, avoiding cookhouse food and taking Grab to book in/ book out just because I was lazy to take public transport and also buying expensive...