Are you living in excess? Moderation brings balance to your finance

I had a first-hand experience of excess during my recent visit to Hong Kong. Much as I enjoyed myself going to expensive restaurants and high-end social scenes, I felt this sort of everyday lifestyle was too financially sinful for me and was certainly unnecessary.

The amount of food and drinks that was burning a hole in the pockets of the people would surely leave them with little savings each month. Most patrons were young people with instant gratification as their daily mantra. Luckily for me, my trip was short and I went back to a comfortable lifestyle of moderation.