In the past, my approach towards "saving" money is cutting down unneccessary expenses (e.g. reduce dining out with friends, cut down on facials, try to avoid taking Grab/taxi as much as possible). Though these are good saving habits, but certaintly unsustainable in a long run as this affects the quality of my life. In 2019, I will start to take advantage of credit card promotions or/and make dining reservation through Eatigo app to enjoy more savings without compromising meet-up with friends. When booking hotel for overseas trip, I will also book through Shopback to enjoy greater cashback savings. I will also look forward to read more on investment strategies to know how I can grow my wealth. Overall, I hope to improve my personal financial knowledge to acheive financial freedom for myself.

Ah Pek Ah Pek！ In a highly intense blackjack game, everyone hope that the banker will burst

14!

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