A couple of days ago I had discussed in my previous post entitled “How to start saving?” the formula EARNINGS -  10% SAVINGS = EXPENSES, which I’m applying and works for me. I learned bout this formula for a couple of years from a financial expert while I’m watching a television show in a bus [...]

Saving money is not that hard. It is just a matter how you will prioritize things but most people still having problem in saving money. They often reason out that their earning is just enough for their daily expenses. I’m often wondering what expenses they are telling. Are all of these expenses are needs? Or [...]