Your year-end bonus is here!

Read? Money Management - What to do with your year-end bonus?

I have been doing it for a long time and still doing it again for this year.

Budgeting is an important personal financial skill to acquire. It can help us to minimise financial stress and financially prepare for the next coming Bear without having to liquidate our investment near market low and regret.

How do you prepare yourself for the next economic downturn?