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Message: <blockquote data-quote="TitanRev" data-source="post: 4378873" data-attributes="member: 10047">just my way of saving money la....1. Don't apply credit card....until now I don't have any credit cards...no burden, don't have to worry about interest..etc...2. Use cash. Everything I buy also use cash....house, car still take loan la but borrow less...less interest. If can afford to pay more deposit pay it. 3. Don't apply for ATM card....I only have bank book...WHY no ATM card....ATM card you can withdraw money 24hours/day...bank book...can withdraw only from 8 to 5pm and Mon to Fri only...so it some how restricted your cash availability. 4. I pass all my income to my wife every single cent of it she's more capable of handling money matters....<img src="https://zerotohundred.com/forums/styles/default/xenforo/smilies/biggrin.gif"  class="smilie" loading="lazy" alt=":biggrin:" title="Biggrin    :biggrin:" data-shortname=":biggrin:" /> 5. Don't keep too much money within your wallet....it's normal when a person saw his own wallet got a bit more money then the urge of buying things will kick in....I only keep about 100 to 150 in my wallet...safe also...not enough then only ask from wife...6. If you have 200 in your wallet...take out 50 and hide it some where in your closet or anywhere in the house....until you forget about it...then when house cleaning time...you will find lots of these hidden cash....last year I found 1.5K all over my house from toilet to kitchen to store room during CNY clean up....hahahaha.....quite fun also...treasure hunt....7. Don't buy so much insurance...it will burden yourself....The only insurance I have is the one that you must buy when you purchase a new house....I can afford more insurance but I choose not to....1 is enough. 8. Medical card....buy within your budget...best of all keep yourself healthy loh....be careful when driving, walking...etc...9. Learn more skills to upgrade yourself so you would be in a better position than other people when coming to look for a better job. 10. List out things which is more important in your life....leisure things is the last. 11. If you have family or parents all using cellphones. try taking family package, so the calls among each other is FOC....I save a lot from this....12. If don't have a big head, don't wear a big hat.....most people I see it like this....just wanted to show off but in the end suffer the worst...13. If you having some savings....put some of that money into investment like mutual fund...not stock market ah.....don't be greedy...</blockquote>

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