I shall complete it tonight with my husband.
This is also a useful website.
Opps..quick tips when you are having a pay rise. Never increase you lifestyle, instead save the portion of the pay rise for your future. I enjoy doing that. Anyway, you can always increase your standard of living if you enjoy the instant gratification ;). Adam Khoo did mentioned this in his book. It's you choice ..no big deal ;)
Have a nice weekend!