Are you really disciplined with your income or you just have people you leach off on?
I know someone who saves large percentage of her salary and will turn into beggar before month ends.
Some of us Avoid her because there’s nothing she can’t beg you for.
“Anyone that likes to criticise… should be ready to be criticised”!!
There’s no need to insult her! She made very good points. Very!!
Listen attentively. Don’t listen to reply. Listen to understand.