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budget

8 Rules to When You Should Splurge and When You Should Skimp

This is a follow-up post to my oldie but goldie Masterpost: How to save money in Malaysia article.

Many people try a variety of methods to save money, with varying results. But what they don’t realise is: while every little bit counts, a big splurge can easily offset those savings. It’s easy to make a big splurge if you’ve been skimping – your head justifies “I’m already saving money via X, Y and Z. I can afford to make this more-expensive-than-average purchase”.

There are a few rules of thumbs when it comes to where to splurge and where to skimp.  It’s a very individual decision, everyone values different things. Here are some of the ‘rules’.

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My Total Income and Expenses in 2016

I truly believe that personal finance is beyond just simple, boring money. They show insight of who you are, as a person. They show what you decided were important enough to spend money on, and serves almost like a diary.

Well, this is my 2016 diary. It’s a bit nerve-wracking to show them, so be nice ya 🙂

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4D3N Langkawi Weekend Trip (On a Budget)

 

langkawi weekend

I feel like travelling overseas, but am not keen on the horrible exchange rates right now. One day, while happily browsing Google Flights and dreaming of Europe (use it! You get to save money on flights), I found cheap tickets to Langkawi. RM102 for return tickets, including fees. Even though I didn’t exactly have a burning desire to go to Langkawi, I couldn’t resist the price and booked it on the spot.

And that’s how I went on a 4 days 3 nights Langkawi weekend trip. This guide is suitable for those of you going solo/duo travelling and wants to be somewhat comfortable but on a budget. Because of the weather (it rained 80% of the time I was there), this guide is also more general and flexible in nature.

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