spending too much
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dating doesnt means muz spend money all the time one leh... remember when i was young (before i started working), we had tried to coook together, or for each other, watch dvds etc.... can be quite fun if done very occasionally!Originally posted by rainee:but if you are in a r/s, cannot always do this leh...go on dates means $$$ -
yea when it is done occasionally...but evtime oso stay at home oso a bit weird, then both sides parents if at home will also ask, how come u all always stay at home one ah?Originally posted by blu_sky:dating doesnt means muz spend money all the time one leh... remember when i was young (before i started working), we had tried to coook together, or for each other, watch dvds etc.... can be quite fun if done very occasionally!
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i have this problem in the past.. but for the sake of accomplishing my backpacking dream, i control myself. 10 dollars can last me for a week on lunch alone.. now i become a niao person..
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10 dollars a weekOriginally posted by huy:i have this problem in the past.. but for the sake of accomplishing my backpacking dream, i control myself. 10 dollars can last me for a week on lunch alone.. now i become a niao person.. 
That is how much i spent when i was in primary school! -
the best i have heard is someone spending exactly $2 on meals.
he saved a fortune!!! -
I remember golden shoes had lotsa such stalls. 4 types of dishes plus rice for $2. That was so long ago, dunno still there anot?Originally posted by dragg:the best i have heard is someone spending exactly $2 on meals.
he saved a fortune!!! -
Most rich people very cheapskate
some millionaires today fly economy class and save the sugar sachets from their meals -
isnt that how they became millionaires in the first place?Originally posted by alexkusu:Most rich people very cheapskate
some millionaires today fly economy class and save the sugar sachets from their meals -
Sometimes I think the same way...Originally posted by blu_sky:when i think of that, i will think, "wow, i put in so much hard work to earn the money, all the more i should spend!" " -
Originally posted by Devil1976:Sometimes I think the same way... "
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haha...stay at hm, shut doors shut windows ahem ahem..no la..juz jokingOriginally posted by rainee:yea when it is done occasionally...but evtime oso stay at home oso a bit weird, then both sides parents if at home will also ask, how come u all always stay at home one ah?
But if really budget...no $...bo pian lo..stay at hm watch show or chit chat in the living room or room..but must be open to everyone la..
l tink that will be better as parents will noe u all nver do anythin funny -
l everytime overspend..seriously like me now hor..l gt wrking..every mth get pay of ard $300..plus parents still giv me $ to eat, help me pay hp bills and all sorts of rubbish..l estimated that l spend ard $700 a mth lo..
$300 work salary
$62 a week
$62 a week
$62 a week
$62 a week
$50 hp bills
$35 bus fare trips
$20 for seeing doctor for cream and cleanser
$30 additional things like go eat supper and etc
l spent $683 per month liao wor from the detailed calcualtions as shown above
Actually my wrk pay..l oso go anyhow spend de..like go buy device, things that l like, anime figurines, ipod nano, comics, PSP, new clothes and etc...
Like last mth, l really siao le..l bought my guyver model at the price of $120 and PSP $400, summore still go and buy a few comics books..l spend really alot last mth
juz cnt stop the tempation...like sumtime wan spend $ to enjoy myself...make myself happy..$ really make wonders...without $, l dun noe how leh.. -
i prefer seeing my money grow more and more.... sense of achievement
sometiems go out will see something that i like and want to buy but if u can stop urself and not buy it... few days later u'll find that u forgot all about it liaoz so it really is quite easy to save money de!! -
save money already leh? after that?Originally posted by cAr|n:i prefer seeing my money grow more and more.... sense of achievement
sometiems go out will see something that i like and want to buy but if u can stop urself and not buy it... few days later u'll find that u forgot all about it liaoz so it really is quite easy to save money de!! -
eat at home. dun go out.
im refraining from going out le. dats y im more active here den ever. -
invest and grow.... then the spending becomes more affordable and less painful cos u know still got a lot of money sitting in the bank.... better still use the investment gains to fund spending and let ur money grow by itselfOriginally posted by blu_sky:save money already leh? after that? -
I think it good to store in money in an offshore account...
US is good interest rates is 5% -
don't keep an atm card. Just draw out all the money you need for the week/month directly from the bank. In this way, you'll be less inclined to spend to save you the hassle of going all the way there.
the money that you draw out, remember to keep a certain proportion as savings. say ten or twenty percent. whatever.
If you are one who likes to take risks, or who has the mental equipment and the know-how, you might want to invest in the stock market. US market brings higher returns than the Singapore ones... but they also require a comparatively high amount of risk. Or else, you can get a good broker (ask someone to recommend you one) and ask him to invest for you.
or else, if you prefer to be on the safe side, you can get a financial planner to invest for you. With them, you can invest in unit trusts, mutual funds or even bonds. The returns are lower though.
the easiest way is to save your money in a bank. Doesn't appeal to me though, as the returns you are getting can't beat the inflation rate.
they are so many areas of investment. Just find your niche or what you are comfortable with and just go for it.