How to save money?
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we ned to put money in some safe locations and also we must give it on interest to some trustworthy people to get it back with interest.
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Buy some gold, silver whenever u have some spare cash.
That will prevent u from squandering your money on other things like tech gadgets, food, cars, property, clothes, etc.
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Many are tempted by luxury condos and cars in Singapore.
But these two are also the most expensive things to possess in Singapore.
Stay in HDB and take public transport if you cannot afford them.
By afford I mean not taking any loans and paying with cash upfront.
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You could always just give me your money so I can spend it for you :P
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Spend less on food
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Staying at home would save your bucks
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Invest in real estate, for example - in Indonesia land, Lombok its good idea
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Every day save $1, confirm after 60 years, you will be a rich woman.
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A money saving guide that I have read in another forum 15 years back and have been using most of tips. Due to the frugal lifestyle, I have saved enough to retire.
1. spend more time reading and exercising (jogging, cycling--free anyway) to keep fit to avoid unnecessary illness instead of getting involved in bad activities like drinking or chioning.
2.Avoid any temptation to spend-avoid the shopping centres. Each time, prepare a grocery list and just go to the nearest provision shop and get them... the longer you linger... the more itchy to spend.
3. Recycle/reuse waste water. When taking shower or bath daily, stand inside big bucket and collect bath water running down the body inside bucket. Collect all washing machine rinse water. Use them to flush toilet or wash floor. Enough to last many toilet flush. Save water.
4. When washing hands, use water from container instead of water flowing from tap.
5. Place 1 litre bottle inside toilet cistern to limit water flushing quantity.
6. Let your tap drip overnight into a pail... free water... the meter can't detect small movements... good for mopping floor.
7. Learn to fish. I spend my free time fishing ..The amount of fish I catch every month is enough to last me for a while ..Provide good protein and they are free!
8. Plant some of own veggie. I live near Malaysian Railway track..The land along it is unused and I cleared some plot to plant my veggie.I tried to plant those that grow easy and not obvious...like sweet potato that is hidden underground and the leave can also be eaten.
9. Buy good secondhand electrical good when possible. Save money.
10. Empty refrigerator and buy smaller fridge as much as possible. Eat 2 meals a day and stay thin. Buy only when needed, do not overload fridge.
11. Short distance travel use bicycle. Stop using bus/mrt or taxi. Save travel expense.
12. Use company toilet to bath or s#$% everyday. Save home water usage.
13. Charge all your batteries in the office (save elec bills)
14. Surf in the office or use free public Wifi
15. When purchasing computer. Don't buy brand new. Buy secondhand, it is just as good if for normal internet surfing purpose.
16. Cook yourself and Bring own lunch to work...
17. DON'T buy any drinks, even softdrinks cos' they're the most unworthy ones... bring a sports water bottle... Keep one in backpack ... one day at least save $2-$3 on drinks
18. Get a prepaid with caller id.If in office use the desk phone to call back.
19. Stop using aircon. Buy electrical fans. Save electricity.
20. Install window film or tinted glass at home to keep heat away from home. Keep house cool and bring down air-con or fan electrical bill.
21. Don't buy newspaper..Read from CC or library.
22. Wear your cloth and shoe until you can't sew to patch the hole before buying a new one. -
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Life, savings, retirement, investment, general accident, and more.
For more info, do leave a message.
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haha i like the tip about charging your devices in the office.
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I think earn money is more important than save money
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how many fixed deposit??
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low risk mutual fund should be good too
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fixed deposit should be a good choice
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actually i agree that using cash can save more money than using credit card. but seems like earning eatra money is more effective than saving money if you still want to keep your originally living standard~
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Set a target first, say 50k, and state the reason to do so.
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prepare homecooked food instead of dining out
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thanks for sharing
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Buy insurance to keep the money there. =)