crystal,
me also zero saving. my salary is to pay for my bills, SP services, any fees or outing for inez school. partical household exp and groceries.
and i hardly spent on clothing some more.
hb think he has a bit of saving lah. but not much also, cos very much he needs to pay car, home tel and internet and give allowance to mil and i think most of money goes into food and for him, his bicycle parts and attire. that can cost him a lot leow.
sometime, me really not enuf then will borrow from hb.