As a result of that constant experimentation, I’ve kind of figured out over the years:
things I’m not willing to skimp on,
things that are not worth my time, and
things I don’t enjoy doing just for the sake of saving a few cents or ringgit
That last part is somewhat important. Unless you’re still, you know, saving up your first RM1000 or something, or urgently trying to pay off your high-interest credit card or personal loan debt, then I don’t think it’s worth being… I dunno… miserable in being too obsessed in saving money. You were not born just to pay bills and die.
If you already have 12 months’ or more in living expenses saved up, AND you currently contribute to your retirement savings on a regular basis, then I urge you to not hoard your wealth and spend some money, to help the economy.
Because I know my audience (y’all are money-obsessed people; it’s okay, me too), I’ve curated a list of money-saving products you can buy – all of which will reduce your expenses in the long run. Please click and buy from the links provided – there is no additional expense to you. All proceeds from the sales via these affiliate links will go to Covid-19-related charities.
If any of the links didn’t work (item delisted by merchant, sold out etc), or the items you’re looking for is not included here, please go to Lazada via this link.
So that happened. You sent your car to the workshop and will be carless for a few days. You have to go somewhere far and the Grab fare will be too high. You need to pick up a person (or an item) in person.
Either way, You. Need. A. Temporary. Car.
I get into one of these situations sometimes, and it’s really mafan. Usually I just bite the bullet and resign to paying high Grab fares but this time around I decided to give the car-sharing platform SOCAR a try.
And let me tell you. It solved my problem so well, and saved me so much money, that I decided to do not just a SOCAR review but also include tips to make the cost even CHEAPER for you. What can I say – I am a personal finance blogger 😀
Here are my 7 tips you can use to get the most value for money out of your SOCAR car rental:
Cook at home, they say. Then you’ll save money, they say.
Then why is the groceries bill still too damn high?
I personally got myself into this predicament – in April 2019 I found myself spending RM767.95 for groceries?!? For one person?!
Because it *was* abnormally high, I told myself to get my shit together. It kind of worked – in May 2019, the amount went down to RM480.20. Guestimating 100 homemade meals a month, that’s RM4.80 per meal.
And – not to brag or anything – I eat well. My meals tend to be healthy, I try my best not to sacrifice nutrition. I think I’m doing well, because I haven’t been sick in years actually.
Here are some changes I made to lower my high groceries bill. As the numbers show you, they worked!
This article is dedicated to everyone who ever uttered the phrase: ‘I can’t afford housing in Malaysia, it’s so expensive!‘
Which, if I’m honest, is the majority of you, at one point or another. It’s one of your favourite complaints. The default, almost.
(You are right though. It is expensive, especially in Kuala Lumpur and Penang. According to Khazanah Research Institute, property prices in Malaysia is ‘severely unaffordable’ at 4.4 times the median annual household income in 2014. A more acceptable range is 3x.)
(Having said that, Malaysia’s housing market is nowhere near as bad as the Top 10 most unaffordable locations globally. Hong Kong is 20.9 times (!!!) the median annual household income as of 2018)
But still, ok, just because we’re not the worst doesn’t mean the situation is good for us. What can you do if you can’t afford the housing in Malaysia? What are your options when it comes to living situation?
Here are some alternatives.
#1 – Pick one: A Just-OK place in the city OR A Great place far from the city
Confession: I entered the zero waste world a few years ago for its money-saving potential.
It’s been great. The communities are helpful, warm, encouraging. I had fun testing and trying out new lifestyle changes inspired from members of the zero waste community, sustainable living community, low impact community and so on. Among others, they encouraged me to:
include more plants and grains in my diet,
use a menstrual cup,
carry my reusable water bottle when going out,
keep used coffee grounds to use as fertiliser,
significantly reduce my fast-fashion shopping,
and even helped me stay smoke-free (no more cigarette butts waste!)
Here are 9 money challenges you can try out. Some of them are for earning money, some are for saving money. Pick one money challenge you want to do for yourself – I’m going to share which one(s) I’m planning to do myself 😀