charity , --- need what audit trail ? unless u want to claim tax rebate .
those charity also need to buy goods as well, tesco/giant/aeon etc etc .
becos of this experience , now i dun trust those FB calling charity .
On surface : sound goood to be charity .
In reality : for own ego ,or own good. After all , human are instinct selfish .
nvm , i will wait further a few months ,
when really still have left over, i dun mind going to old.folks/orpahange to donate those voucher.
*ya, i;m selffish too , i bought those voucher for CB .
**i offered 10%-20% deep discount, where i made losses of 5%--15% , and on top , paying advance for those voucher too.
***IF MCO EXTEND further, where more ppl are in need , i'm sure those voucher would be really helpful .
****2nd though , maybe , just maybe . Some of those charity , some masuk own pocket ....... afterall , who is going to audit them ? Only God know.
Sorry to say this but from my observation it seems like you're getting out of control for just chasing cash back from credit cards and e-wallets by spending unnecessary.
Maybe our ACCA friend from the Borneo state could share his talent to you on how to sharpen your skill in personal finance.
If I'm wrong, I apologize in advance.