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Three lessons in money management

It boils down to simple habits of mind. The next time you're in a shopping mall, realise that your self-restraint and mindfulness guard the narrow gap between what you want and what you need. In addition, have a budget; and, finally, don't blow your savings by splurging.

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THE year 2007 marked a new beginning for me: I became an international student in the city-state of Singapore.

Leaving behind people I had been familiar with all my life in a small city in the western part of Timor Island, I found myself outside my comfort zone trying to start all over in