For brothers who spend all/alot of their money of HC/tn/etc, try this method of controlling your expenditure.
1.Open a seperate bank account.
2.Whatever you spend on hc/tn/gl etc, you'll deposit an equal amount into this bank account.
3.You cannot use the money in this bank account for anything else except maybe for investments (4D and toto don't count as investments).
So in a way, going to hc help me save money. kekeke
So far save about 3k this year. Of course sometimes near end of the month tempted to use saving because spending account kosong but easier to tahan when money is in special account. Another friend of mine suggested freezing your new bankcard in a block of ice and put it in the freezer, so if you want to spend your hard saved money you have to unfreeze your "frozen asset" first.
If you find my suggestion helpful/funny, some rep points would be nice.thx!