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Thursday, September 30, 2004

Ridiculous ways to save money $$$

Since i started working, money has been the center of my life. More a like center of problem. It has put me to a place where i've never wanted to go - Independent.

It's all begin when i started working, (doing my industrial study, to be exact), my parents have threw me out of their pocket. I couldn't blame them as my father got sick and business wasn't doing well.
Not getting FAMA pocket money was a hard start to begin my journey with. Not to mention that i have to pay my car loan on my own. My bro took a pity on me by paying half of my car loan (yeah, after my endless cries over the phone every end of the month).
And non of my frens could understand why i had to take part time job during my final year. They thought i love the job (yeah, rite!)

Then i've got a real job. This is even harder. I didn't know that there's so much i need to spend + invest and start thinking for a better future.
Here's the list:

1. Emergency fund (at least 2 months of my salary)
2. Insurance policy (there's so many in the market, i really dont know which to choose from)
3. Wedding/Family fund
4. Retirement plan (apart from EPF deducted from salary)
5. Investment in COOP
6. Investment in Unit Trust
7. Property Investment

These are the MUST HAVEs that my seniors colleagues are investing/saving in.
Can u imagine that? There's no credits for my shopping list!!

Then i thought of ridiculous ways for me to save money:
1. Take brunch instead of breakfast and lunch. Better still, attend + organize meetings coz - food and refreshments provided.
2. Take teaner instead of tea and dinner.
3. Sleep early so that my frens wont bug me for supper.
4. Dont use air cond while driving to + from work (hahaaa.. i could do this. My office is so cold it can lasts till i get home :-P)
5. Use office phone instead of mine when making calls (lucky i'm working in Telco)
6. Refill fuel full tank in the morning or at night.
7. Become a homebody. No need la to go out every weekend.
8. Avoid going to shopping complexes. It's a dangerous place for my pocket. Esp when i'm alone.
9. Buy groceries at hypermarket and keep a shopping list.
10. Cook! Urghh..
11. Wash my own clothes.
12. Withdraw salary and pay for expenses only after 1st of every month (Bank gives interest on every 30th maa)
13. Go back hometown as often as possible (expenses sponsored by family hehehe)
14. And i need to find a housemate!!

And figuring so, i've managed to save up a few hundred bucks by sticking to the rules. But the money doesnt go right to my piggy bank though. All the hardwork gives me pressure at the end of the month, so I spend it all on retail theraphy.. hehe

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