Recently, I had been thinking of financial plans. I am making plans on how to save money by myself (for the first time...) It just gives a me reality check that I really need to stop my habit of spending on unnecessary things. Edward is right, we should only make expenditure according to our self values and earning capacity. If you cannot afford, then don't buy. I should look beyond the habit of buying branded expensive clothing. No more these kind of habits! I'll need to constantly remind myself of that!