Dear Jk,

I know how much you are enjoying your life in Melbourne now.
But still, I have to say something about your spending pattern.
I know how good it feels when you can just spend without worrying too much.
But in this current situation, its way too ridiculous.
You are not earning enough to cover your expenditure.
Cut it down a bit. You don't have to buy everything you like.
Your savings will come in handy in the future with the aid of compounding.


Much love,
Jk