1Y ll: 2Y ll:
Itching to blow your monthly pay on a pair of Prada heels? While it’s verrry tempting, keeping a few bucks in the bank will cover for any emergency “What ifs” such as ending up in hospital, fixing a broken car, or getting stopped by the local police. Smoking being a big one! Unless emphysema is your thing, take your cues from Charlize and Gisele and quit the ciggies while you’re ahead. You will breathe easy (literally) knowing you’re being nice to your internals, and that all your cash will stay in your pocket instead of some multinational tobacco tyrant’s.