Looking for smart saving tips
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Any smart spenders/saving tips to share?
Anyone who saves using innovative and creative ways or see the importance in wealth accumulation through investment or saving plans.
Examples:
-uses Skype to save on phone bills
-frequently shops at 2nd hand stores (where are your fav?)
-interesting ways of financing travel plans
-has his/own way to lower air-con/laundry/electricity bills etc
-married couples investing in a Child¡¯s fund for his/her University funds
etc etc etc....
kinte -
Rule of thumb:
Always pay your self first before paying others eg. paying retailers for your shopping therapy.... paying bills..... paying GV for movies....
Set 20% of your income to pay yourself every month.... best via "forced" savings like saving plans or investment plans...
What you don't see you don't buy.....
For Credit Cards:
1. Avoid at all costs, regardless of promotion
2. If you can't avoid, get a Debit card instead..... spend only what you have and not "future" money
3. If already in credit card debts.... set priorities.... make fixed monthly payment to all cards, but pay additional $100 to your card with the least debt... the faster you clear your 1st card, the more motivated you will be.
Now that you've cleared your 1st card, dun just stop there and spend the money away... used the same amount you paid for the cleared card and move on with the next least card in your prioritised row....
continue the same way and you'll be out of debt soon!
Oh btw, dun use any of the cards while you're clearing them...
Wishing you guys Financial Success! -
each leftover food from garbage at hawker stalls.
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Originally posted by curryman:each leftover food from garbage at hawker stalls.
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save water!
shower together with your lover
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Collect your ear wax and form a nice ball of candle
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no need so jiak lat lah......just walk around & wait for pple who can't finish their meals or drinks, sit down & finish them after they leave.Originally posted by curryman:each leftover food from garbage at hawker stalls.
Honestly, i saw many poor old pple doing that
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Tmr Vesak day right? Go temple eat free food... everyday also can...
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Buy things using notes and dont spend using coins, ive tried it and saved alot!
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buy more to stock up when things are on discount.
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Whats the diffOriginally posted by sand king:Buy things using notes and dont spend using coins, ive tried it and saved alot! 
I teach you one way.
When you got alot of $2 go change for $50.
Cuz $2 normally you see you just spend.
$50 see liao dont want spend. Cuz dont want change. -
I not sure why but i got this method of the radio.Originally posted by Xephone_xenon:Whats the diff
I teach you one way.
When you got alot of $2 go change for $50.
Cuz $2 normally you see you just spend.
$50 see liao dont want spend. Cuz dont want change.
haha yea same same i dont like to break big notes. -
Originally posted by curryman:each leftover food from garbage at hawker stalls.
BOL!!! -
I keep all the $1 coin
Avoid going town -
flush once a mthOriginally posted by LyonK:save water!
shower together with your lover