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!)