tight money policy

need to make several adjustment; particularly in financial area due to sudden changes in family condition.

investment needs to be reduced - light impact to future, changes in priorities. Target is to reduce ratio to 30-40% only. be less aggressive!

daily life cost needs to be reduced - but still live comfortably (less coffee shops visits; less luxury spending)

efficient costing - telco cost can be reduced, make sure all settings are correct

THERE. I'm officially in tight money policy