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Since graduation from university, I have always worked hard, earn and save money. I do not want to put myself in the situation of brokenness.

Except using credit card, I just took out one loan which was my mortgage loan. I repaid a certain amount on a monthly basis. That was automatically deducted from my bank account.

No, I do not use any budgeting apps. I just rely on Excel to do my budget. I get used to using Excel and do not see the need to change.

I have traveled to many places and in general, I did not have problems eating the local foods there. It's just that when I was in Korea and Thailand, I did not have much choice as there are many spicy foods. I cannot take very spicy foods.

Yes, I have said something I regretted when I was angry. I've made an apology to the person I have hurt. As I get older, I tend to calm down more easily.

Yes, when we work with co-workers, we should exchange ideas and opinions so that we can learn from each other. That would help to solve problems.

I am a freelancer working from home. I try to maintain work life balance. I have a schedule for work, doing exercise, socializing with friends and relaxation.

Yes, we should know the right time to quit when things do not work out. Hanging on is just a waste of time. Better look for better opportunities.

I am single and do not have a family of my own. But I love my siblings, my nephews. They also care about me a lot.

I agree that wealth alone cannot buy happiness. But without money, life can be miserable. Life without love is also meaningless. You can have self-love but sharing your love with someone will bring you joy.

I always look for good deals. I buy in bulk when there are good deals. The stores usually offer discounts for buying more than one item. If not, I just buy the quantity I need.

I have a few usernames. I used them on different sites. I just find it interesting to think of new username. I am testing my creativity. lol.

I'm not in a relationship right now. So I just focus on my work and enjoy the company of my family members and close friends. Even when I was in love a few years back, I always separate love and business. I tried my best at work and enjoyed dating with my loved one after work.

I also think that giving is better than receiving. While receiving can bring us pleasure, helping others can create a positive emotional experience, leading to increased happiness and a sense of purpose in life.

Yes, having enough sleep is essential for our well being. We also need to drink enough water and do exercise on a regular basis. When feeling stressful, do something you enjoy.

I seldom play games. When I have free time, I prefer playing musical instruments, read a book, watch a movie or go out for a walk.

I prefer my off day on Sundays because most of my family members and friends are off on Sunday. We can meet on that day.

Life has ups and downs. When we are having bad moments, do not give up. Things will turn around. We as humans will make mistakes. Learn from the mistakes and this helps you to be a better person.

Yes, when I feel burnt out, I take a short break. Have a cup of tea or coffee. Listen to some music. My energy comes back again after the break.

I will be very upset if my buddy breaks her words. But I have never encountered this situation. My close friends are all reliable and trustworthy people. I have known them for decades.