Money!

There's no point being frugal. The smart way is to start earning more.

on a ____ note.

So one whole year ahead of me... What do I plan to do with it? What do YOU plan to do with it?

Well I have been reading iwillteachyoutoberich lately. I couldnt take it all in one go! Inspiring, if there's one word.

To start off, I've planned to open a few accounts, get organised. Let's see how things work out.

PS. I'd rather read Ramit. Stop wasting you time here.