Is frugality in the genes or something that can be learnt? There are three controlling factors to remain frugal, writes JOYCE CHUAH.
I remember the day I received my first credit card. I was a young graduate and it was such a thrill to see my name printed on a plastic that marks a new beginning as a working adult. But don't get me wrong − my idea of using a credit card was merely for the convenience of the card, rather than using it to spend beyond my means. It was a simple decision for me.
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