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When budgeting goes wrong

Setting a fixed amount to spend every day may make you spend more than you bargained for

THIS month and the next, I need to figure out how to spend $80 worth of NS45 Safra vouchers - a one-off hongbao given out early last year to thank all national servicemen for their contribution to defence. They expire on March 31. The next month may very well see consumer spending across the

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