may be i'm one of the persons NOT affected by this one..... dili sa pang hambug
TIHIK jud ko....
that is my friends comment on me 'tihik" kuno ko asta akong wife muingon na tihik kuno ko..... for me it's not tihik... I just want to spend my money for my
NEEDS not my
WANTS.....
there is a big difference between things that you need and things that you want.....
needs are the things to survive(longer)
wants are the things that give you pleasure
I also spend money for the things that I want but with limitation and discipline.... my point is that your expenses must be justified. hehehe thats me