a tithe is 10% of your gross income

Nah I'm well read

Good job, Sir.

If you keep on doing what you've been doing, you'll get what you've been getting.

If you enjoy the phones more than having money then by all means, be happy

What have been your hidden expenses for the past 3 months?

1) I'd draw the line at using office phone to make personal phone calls. You can be stingy but you dont have to be unethical.

4) I'd disagree at looking at cheapest item. I'd go for most value for money. Simple example : RM1.00 for a stick of Milo fuze that I'm familiar with or RM0.85 for a stick of Giant chocolate drink that I may not like. There's a high probability that I'm gonna throw the Giant drink away so for 'testing' purposes hence wasting RM0.85/stick (instead of 'wasting' RM0.15/stick). For that, I'm gonna buy off a friend or try somwhere else first.

I happen to like a lot of store-branded products (Tesco choice diapers, cleaning products, Tesco mayo, Carrefour butter, eggs) but for some products (fresh milk, sanitary pads) I'll just stick to the brands I love.

Just my 2 sen