I see many people here say that financial planner is a waste of money. I, however, beg to differ. Me and my husband were always running out of money and couldn't manage our finances well till the time we got a fund manager. It really depends on how your fund manager is. We were lucky that our australian funds management professional was a great one. He advised us with our investments, asset allocations and many more. It was literally like he made our money grow. So, my advice would be, go for a financial planner. Just make sure he has enough experience and has a good name in the market.

I am a complete 'eye-liner freak'. I would never leave my house without the eye liner. I am not much fond of make-up but I always wear eyeliner. It accentuates my eyes and makes me look fresh. I prefer a black liner.

My DD also loves watching Youtube but I usually don't fulfil all her wishes of buying stuff her role-models use. Neutrogena grapefruit is a good demand though. I would prefer buying only those products I feel would be beneficial for my DD and not everything.