Financial Turmoil.

Cutting down expense is the most major important thing need to do when trying to solve financial turmoil. Because habit of living an expensive lifestyle is the root cause that started the financial problem at the first place. If we want to do it, we can do it. I know, I have done it. I cut down my expenses to only 15% of what I use to spend on within 3 month, but it definitely takes a lot of courage, discipline and self-motivation. But nonetheless, it need and can be done - Kamal Izzudin