REF: http://forums.hardwarezone.com.sg/showthread.php?t=2702361
Interesting read, sometimes u know u can save money, but u choose to spend it anyway, Y, i guess life is short, sometimes u have to spend to feel alive.
1. For lunch, no drinks, drink plain water in office after lunch
=> saves money and calories
2. Turn on fan instead of air-con.
3. Even if need air-con, set timer so that it turns off 3-4 hours after you go to bed.
4. Take bus or MRT, no taxis.
5. Buy items from supermarket only when there is discount.
6. Wear SAF issued shorts, singlet, or vest at home.
7. Go out wear SAF sandles and shoes.
8. Use SAF issued towel for bathing.
9. Eat at home or at parent's/in-laws' place whenever possible.
From another forumer1) chiong less hardware if you are a hardware or benchmark addict.
2) Stick with your gf ( if you have 1 ) and dotn go chiong around.
3) Buy clothes once a year unless the clothes broke
4) Eat at home or strictly hawker center/coffee shops. Food court if really no choice. Restaurants, cafes, drinking places, eateries is the fastest way to empty your wallet
5) As above even with gf. If you are chasing her also no need everytime go restaurant.
6) Dont go chiong at whatever happening place. Those cost a bomb for a few hours of your time
7) Stay away from alcohol (they cost a bomb)
8) Dont smoke if you can (they cost a bomb too)
9) Find a timesink that you can devote your free time too (EDMW, Online games, reading, Drama, Movies, Sports, Hobby, Religion etc)
10) Dont gamble (this cost a very big bomb)
From another forumer:Food
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1)Skip breakfast.
2)Lunch money cap at $2.50
3)Drink plain water for lunch.
4)Dinner eat cheapo stuff. Cap at $5.00 to $6.00.
5)Drink plain water for dinner.
6) Tao pao is the best to reduce temptation to take sweet drinks. Downside is collick might think you anti-social.
Debts and liabilities.
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9) Don't get a car until you are ready. As in 0 debts and all loans like study loans whatsoever is cleared.
10) Yes a sweet looking car can net you chicks, but if your wallet empty, you can go squeeze your balls, not their neh neh.
11) Get an affordable car. Maintaining a high maintainence car is like maintaining a GCP with only 2.5K a month salary. Powerful cars eat more petrol, just FYI.
12) Strictly no credit cards. Use either a debit card or NETS.
13) Read 12 again. Multiple credit cards WILL kill you.
14) If you decide to get one, DO NOT GET A SUPPLEMENTARY CARD FOR YOUR GF/WIFE. Unless you can handle it.
Real life sexample, my friend, a guy is high flyer. 1 month take home easily 8k to 9k but he is struggling because his gf / GCP swipes his supplementary card like free and his life style is high flying kind. On average he will only have 2k left to spend on himself after everything is done. And he has not even factored in insurance and savings yet.
15) Don't bite too big of the pie if you cannot handle it. Yes installments / contracts look good but once you get too many.... It is like slowly drowning yourself.
