I’m pretty frugal when it comes to spending. And yes, I do have a monthly personal budget too. Having been brought up in large family where resources were relatively scarce, I still remember the times when I would accompany my big brother to the bank to make my monthly deposits. Very tiring for a first grader. But yet fulfilling at the same time to see the pumped up figures in my bank book afterwards. Ah… those were the days.Such habits grew up with me. Even though I’m able to afford some of the