Moolah part. II

Salam...

Sedikit lagi tips pasal saving... 

Korang sedar x every day korang spent singgit @ due hengget on petty things like kacang² @ buah potong. Dan korang keep on spending every working days as if it's your ritual/routine.

The amount memang nampak xbanyak kalau korang spent sekali sekala. Tapi what if hari²? Sebagai contoh la: RM2 on Roti Boy every day after lunch untuk sendal² perut yang xmengenal erti kenyang. Kalau X 5 hari bekerja = RM10. If sebulan,katekan working days, 22 days x RM2 = RM44/month, it is now a fairly significant amount of money for most people. Dan andaikan kite forgo the temptation of Roti Boy dan ganti dgn bekal biskut gula bawak dari rumah, kat situ sahaja kita dah boleh save around RM500!

Untuk tujuan ini, first and foremost you have to identify your own petty expenses. Be it kos beli asam masin kat kedai Ah Chong @ air kotak Dutch Lady perisa coffee kat 7E etc. To do this, write down every expenses you've made for a month or so and then trace back things that you can live without atau kat mane boleh do any cutbacks.

Aku kinda pernah cuba cara ni cuma ia memerlukan disiplin yang maha hebat. As for me, aku tengok berapa banyak aku spend on bfast, lunch & dinner per day. Misal kata, RM10 lah. So, if untuk hari tertentu,aku spend less than RM10, katakan RM6 (sebab malam makan megi & pagi bawak bekal isk...isk...isk) so RM4 yang aku save tu,masuk dalam kotak saving aku. By end of month tengok la berapa banyak boleh save.

Tapi satu la pesan aku, don't be a cheapskate...esp. to your own self. Sekali sekala of course OK je to treat yourself some Aunty Anne's pretzels @ Gelato Fruity's pistachio's ice cream. Terpulanglah pada pertimbangan masing².

Selamat mencuba!

Later...