New Year, New Me: Saving Up
The start of a new year offers a fresh start, an opportunity to change for the better. Looking back at how I spent 2014, I find that there are a lot of things that I could improve on to make 2015 better and more enjoyable. Admittedly, I am very bad at handling money. To be more blunt about it, I lack discipline when it comes to spending money. I don’t own a credit card so at least I don’t spend more than I can afford. However, I often unconsciously revert back to my impulsive buying days that I thought I…