There are not al­ways four weeks in a month

Cosmopolitan (Philippines) - - You, You, You -

Mark pay­days on your cal­en­dar and be aware of the gulf be­tween them. “Know which months have an ex­tra week­end be­fore pay­day—that fifth week­end might be what takes you into the red, so plan ahead

Cos­mopoli­tan and get the girls to­gether at home rather than go­ing out,” says char­tered man­age­ment ac­coun­tant Sheila Bryant.

FE­BRU­ARY 2016

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