ABCs of Personal Finance
Department of Statistics Malaysia: The 4 main expenditure categories
Do take a look at the below and think deeper. Are all these expenditures the ones which we could not avoid, we could not reduce and we could not run away from spending? You have the answer. In fact sometimes, as I walk past a cafe, I tell myself, I still have free coffee at home. Haha. It does NOT work all the time. That’s why I always have some balance inside my ZUS Coffee app these days.