Well, it's definitely a different thing when it comes to saving even if you know how your spending is like. It's about discipline. Obviously without it, nobody is able to get down to some proper saving.

Up till November 2009, i am in near $3000 deficit. It's really astounding how i have not been heeding the warning signs when there are only two months which i am not in the reds. It's time i get down to some proper resolution, especially since 2010 is arriving.

i shall limit my spending to an average of not more than $550 per month. This excludes my Prudential premium. For special months, like during the festive season of December as well as the month of important birthdays in October, i shall allow myself to extend the limit to $650.

It's time i change my spending habit...