Regrets:

1. not treating family
2. not spending more time with friends
3. not buying a tv
4. not buying an oven
5. not buying more clothes

I should have planned my money wisely. I've forgotten all the money concepts I had learnt all these years. How could I have been so careless?

However, in life, we shouldn't dwell too much on our regrets. It's too late for regrets when we have come to realise what we had done wrong. Instead, tell yourself never to repeat the same mistakes ever again.

Tell yourself that you wouldn't want to live your life each day repeating the same mistakes that you had done. Before you do anything that you think you might regret doing, go through your mind what regrets you have. Would you want to live your life during the period where you have regrets on something? You wouldn't want to, right?

So, live each day knowing that you wouldn't leave any regrets behind. You'll feel so much better without any regrets. Think about it! (: