Budgeting is one hard thing to implement 🙂
Me and my husband decided to really work with our budget since we are expecting our baby by end of september, and there must be lots of things needed to be spend on baby.
We are actually planning to change the car, but think about it again, it will be another never ending debt. We decided to hang on with our car, and pray that she won’t give us another heartache for being 8 years old car :).
There so much to budget..our baby, our new house, our car,husband moving back to Sabah for good..etc. So maybe do it one at a time. And one best practice is, to pay all the debt first..car loan, housing loan, education loan, and all the loans you have. Then only you will live happily ever after 😀 .