A less expensive gift now might allow for another valued treat later. Photo: AFP
Melanie Nutbeam
Opinion

Opinion

Ask Melanie by Melanie Nutbeam

Ask Melanie: How to maximise pleasure without emptying your pockets

Melanie Nutbeam, a certified financial planner based in Hong Kong, addresses common personal finance queries. Send your questions to
[email protected]

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A less expensive gift now might allow for another valued treat later. Photo: AFP
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