Dhaka, Aug. 20 -- Brigadier General Md. Munirul Islam. SGP, SUP, psc, PhD :

I am from a very humble, middle class family in Bangladesh. My parents were government service holder. My father was very much calculative in his life. He died in a very early stage of his life at 48 years. I can remember every day's routine work of my father. At the end of each day (normally after dinner) he used to open a small notebook where he used to keep note for that day's every expenditures for the family. Thus in every month he used to close his monthly expenditure and compare with previous month.

If the expenditure used to be more, then he used to discuss with my mother and took future steps jointly for the following month. I grew up in such family whe...