I would like to believe that I am now a reformed shopaholic. Whereas last year I was buying left and right and would always have payables to pay each month (at staggering amounts!) because of shopping, this year I think I have handled myself better – I hope so! I have taken a good look at my personal finance status at the beginning of the year and while it was depressing, I knew it was only I who can turn things around. And that’s what I did. I looked at and learned which finance tools would help me manage my cash flow better so I can save more. I still shop but it is now controlled and well-thought of.

Before I apply for a credit card, I read credit card reviews and ask feedback from friends which ones would be the best card to have at my status, with my needs and what perks would lure me (and which I can actually use).

I am still a work in progress and I have such a long way to go. But I am extremely proud of myself with how I have turned over a new leaf.