Tips to save $$

Man! i reali need to save money after buying a flat recently, totally wipe all my saving. SQ 1 again, hard leh, but reali reali need to tighten my belt.

Magazines always say "Save 10% - 20% of your take-home salary every month" it is a ideal range for saving .. if you have excess on certain months .. just deposit the excess into your savings. If there's no family commitment, I guess you can even increase it to 30%.

Separate savings and spending a/c - easier to prevent overspending. 2 days after payday, immediately Giro off a fixed sum into yr savings bank. Make it "ma fan" for you to withdraw money fm yr savings a/c by: Dun apply atm card on yr savings a/c. (gd one!)

Cut off your credit cards. This is the number one problem to zero savings. (I minimize to 2 credit cards; mastern visa. Try to use cash most of the time so it will be easier to manage my outgoing cash activites.)

Once you get a paycheck, put a certain amount of money that you think you NEED to survive the month. (Still trying veri hard for tat)

If you know that your meal/snack/teabreak is going to cost more than $8, stop. Find a cheaper alternative to eat (taking note).

No taking of cabs! (discipline myself to leave early, so i able to make my destination on time)

You are allowed to buy only ONE item that costs more than $50 each month as a way to pamper yourself, and it CANNOT be the same type of item that you have already bought in the last 6 months. Meaning, if you have already bought a bag in the last 6 months, you are not allowed to buy yet another bag within 6 months. (tat reali hard!)

Review: SkinMD Natural Shielding Lotion

SkinMD Natural Shielding Lotion - Concept of a shielding lotion :"It binds to the skin such that the environment is not allowed to penetrate and desiccate the skin, essentially forming an invisible shield around and throughout the skin just like an invisible glove would!"


Retail Price: $18.00 USD
Availability: SkinMD Official Website

Pros:Light-weight,Non-greasy formula,Absorbs quickly,Hypo­allergenic and paraben free
Great for oily skin.
Cons:Would have been better with a pump bottle.
Claims to be fragrance free but there is a slight scent

This is a very natural lotion for the skin, and before trying it I was very afraid it would be greasy or heavy. Upon trying this, I was surprised by how light it was. The texture is almost like an emulsion or an essence. Therefore, it doesn't even feel like I'm putting moisturizer on. Even though it's very light, it still provides adequate moisture for the skin, which really helps with reducing the production of oils on my face throughout the day. There was a day I forgot to apply this on, and I realized my face was much oilier than usual.
I also love how the texture of my skin feels after this. Now, I don't have smooth skin at all on my face, but with this I can feel a much better texture than if I hadn't put this on. This lotion can be used for the Face, Hands, and Body. I've tried it on my hands before, and I also love what it does as a hand lotion.

Overall, this is a great natural moisturizer.
why not give this a try?