after 3 months, I finally took the train to the office. 3 months of taxi ride really effects my savings and no more of that. another shoe and KIV session payment and that's it. I know the KIV session will leave me broke again but starting tomorrow I have to start saving seriously!! my sis already has a car n house on its way, another sis is planning to get a car .. I hv to think of a long term investment seriously. only have endowment and cpf for my old days but I really really have to change my mindset. Im trying to follow my elder sis on this, she's very good with her money and I have to start being good at it as well...