Tips on saving money.
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there.
better.
but fi one cannot.
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just bump the other chit chat threads up la
but at least type something. -
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Originally posted by Pitot:just bump the other chit chat threads up la but at least type something.
alot leh. -
just the first page enuff
stop replying u are bumping this even more. -
lao niang gives younglings good advice...listen upOriginally posted by FireIce:meals-wise.....simple fare at food centre and kopitiam.....
cigs, can do w/o for a while
it's not difficult
lao niang oso smoker, dun need to try smoke me on this
during an outing, leave early to catch the last bus/train home
nobardie will laff at u, if they do, let them laff, and let it be the last outing with them -
very tough task for meOriginally posted by FireIce:cut down to 1 pack a week -
can find on internet budgeting yr money monthly can found this easily on net by googling just type budget listOriginally posted by seotiblizzard:Anyone have any tips on ways to save money.
I really need to try and at least save money.
Going broke already.
Wad i get per week is only enuff for me to spend.
SAVINGS GOALS
Goal Priority Amount Time Frame
Pay off bills ____________ ____________ ____________
Emergency Cash Reserve ____________ ____________ ____________
Savings ____________ ____________ ____________
New car ____________ ____________ ____________
Buy a home ____________ ____________ ____________
Christmas gifts ____________ ____________ ____________
College ____________ ____________ ____________
Wedding ____________ ____________ ____________
Vacation ____________ ____________ ____________
Retirement ____________ ____________ ____________
Other: ____________ ____________ ____________
if you don't have alot of income try go out less... at home read a book,surf net,studying if you are a student.If you got not so much money don't take cab take mrt,bus. people who are rich they know how to plan 1..... they are often more thrifty, i think. -
Walk to your destinations... eat only instant mee/bread and drink only water....
I think the best way is to budget yourself and set a limit to your daily expenditure... -
Walk to your destinations... eat only instant mee/bread and drink only water....Originally posted by caleb_chiang:Walk to your destinations... eat only instant mee/bread and drink only water....
I think the best way is to budget yourself and set a limit to your daily expenditure...
might as well don't eat............. pls la health is more important than money -
My school very far away.Originally posted by caleb_chiang:Walk to your destinations... eat only instant mee/bread and drink only water....
I think the best way is to budget yourself and set a limit to your daily expenditure...
Walk there? -
1. Don't buy on impulse. Check prices first. Use cheaper alternative.
2. Cut down on unnecessary stuff.
3. Save money & know how to invest it. Make your $$ grow. -
can "borrow" cigarette from fren riteOriginally posted by FireIce:meals-wise.....simple fare at food centre and kopitiam.....
cigs, can do w/o for a while
it's not difficult
lao niang oso smoker, dun need to try smoke me on this
during an outing, leave early to catch the last bus/train home
nobardie will laff at u, if they do, let them laff, and let it be the last outing with them -
I got an advice not sure if its applicable..
lets say u r given a promotion and a pay raise from $4000 to $5000, happily, u buy a new car, buy gadgets, new clothes, more instalments, etc etc... In the end, u r worse off financially compared to the period before the promotion. Its the false impression of 'wealth' when someone has extra $$$, and its human nature to spend it.
my point is even if have extra $$$, always try to maintain the 'same' lifestyle. There's no such thing as if I earn $4000 I drive an Altis, and if I earn $8000 i must drive 3 Series and live in condo and carry LV. This is crap. Alot of people look good on the outside, but excluding their CPF account, they have very little additional savings.
By maintaining the 'same' lifestyle, I do not mean live in the same house or drive the same car till u r dead. Living is like eating, do everything in moderation. If u feel u can comfortably afford a new car by all means do so. By living the'same' lifestyle even when more $$$ comes in, the extra $$$ can be saved or channelled into investments.
Not everyone has the luck to 'tio' Toto. Savings is always the 1st step. -
hmmmm. point takenOriginally posted by No9:I got an advice not sure if its applicable..
lets say u r given a promotion and a pay raise from $4000 to $5000, happily, u buy a new car, buy gadgets, new clothes, more instalments, etc etc... In the end, u r worse off financially compared to the period before the promotion. Its the false impression of 'wealth' when someone has extra $$$, and its human nature to spend it.
my point is even if have extra $$$, always try to maintain the 'same' lifestyle. There's no such thing as if I earn $4000 I drive an Altis, and if I earn $8000 i must drive 3 Series and live in condo and carry LV. This is crap. Alot of people look good on the outside, but excluding their CPF account, they have very little additional savings.
By maintaining the 'same' lifestyle, I do not mean live in the same house or drive the same car till u r dead. Living is like eating, do everything in moderation. If u feel u can comfortably afford a new car by all means do so. By living the'same' lifestyle even when more $$$ comes in, the extra $$$ can be saved or channelled into investments.
Not everyone has the luck to 'tio' Toto. Savings is always the 1st step. -
try not to bring too much cash or cards with u when u are juz going out to eat or do some window shopping..
can try bringing out a small purse that contain maybe $5 that's juz enough for a meal lor. -
Originally posted by No9:I got an advice not sure if its applicable..
lets say u r given a promotion and a pay raise from $4000 to $5000, happily, u buy a new car, buy gadgets, new clothes, more instalments, etc etc... In the end, u r worse off financially compared to the period before the promotion. Its the false impression of 'wealth' when someone has extra $$$, and its human nature to spend it.
my point is even if have extra $$$, always try to maintain the 'same' lifestyle. There's no such thing as if I earn $4000 I drive an Altis, and if I earn $8000 i must drive 3 Series and live in condo and carry LV. This is crap. Alot of people look good on the outside, but excluding their CPF account, they have very little additional savings.
By maintaining the 'same' lifestyle, I do not mean live in the same house or drive the same car till u r dead. Living is like eating, do everything in moderation. If u feel u can comfortably afford a new car by all means do so. By living the'same' lifestyle even when more $$$ comes in, the extra $$$ can be saved or channelled into investments.
Not everyone has the luck to 'tio' Toto. Savings is always the 1st step.
well said. -
Save water, shower with your mother!
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CUT DOWN 1 PACKET LAH....
1 packet of cai png. -
lunch and breakfast settle youself..Originally posted by seotiblizzard:Anyone have any tips on ways to save money.
I really need to try and at least save money.
Going broke already.
Wad i get per week is only enuff for me to spend.
dinner go home eat.
Eat cheap, no need eat so good.