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!)
Disclaimer: I received a test unit for the purpose of this review. The unit will be returned. All the opinion below is mine. EDIT: 1.5 months after this article was published, they offered me the phone. I accepted and currently using it.
I love Xiaomi products – I own two of their phones (using the Redmi Note 4 now), the powerbank and the earphones. I’ve written and promoted them before this, here and here.
In July, I got the opportunity to test out the Xiaomi MiA2 phone. I was particularly excited about it, because I’ve always wanted a phone with good camera, but those don’t come cheap does it? The Twitter crowd confirmed this.
This post was inspired by one of my favourite personal finance websites, The Financial Diet. Check out their version of the article here.
‘Don’t buy shit you don’t need’ – how many times have we all heard this six-word money advice? It sounds so simple, right?
The thing is, the definition of ‘shit you don’t need’ will differ greatly from person to person. What I think I don’t need and can cut from my budget is someone else’s necessity item, either required for their life/work or something they decided is worth the expense and thus budgeted in (instead of budgeted out).
Here are 15 things I have personally stopped buying and realised I didn’t miss.
#1 – A Car
Sometimes, the fact that I don’t own a car really surprises people around me. It’s considered a rights-to-passage-to-adulthood expense, something people buy as they start working.
I can’t be the only one curious about other people’s online purchasing habits, right? 😛
Recently, I asked the RoR community on Facebook about the last thing they bought online. There were some really great answers, and I thought I’d take the opportunity to share those here, because they’re fun to read! Plus, lots of money-saving tips too! You guys make me proud!
Bought Cheaper Items/Services Online
1. Gina Ee – “A face guasa board from Lazada for only RM8 per piece, instead of about RM20 sold offline. It’s a resin board made for traditional Chinese method facial and body massage.”
Look up any commentary or news piece about poor Malaysians and the (sad) state of our finances, and you can find discussions about our self-control. Apparently, some of us lack self-control so much that we simply can’t help buying all the H&M clothes and trying out all the Starbucks drinks against our better judgement. That, said the commentators, is the reason why many of us complain too much about the cost of living, so stop complaining and just buy less lah!
This shallow reasoning makes me angry.
Are we simply going to ignore decades worth of behavioural economics research that is used to influence our purchasing behaviour and habits? Or do we just not take into account thousands of people employed in big companies whose jobs is to develop and execute sales, advertisement and marketing strategies?
And you expect me, a mere individual, to be able to resist all these combined efforts and temptations, 100% of the time? And tell me I lack willpower?
As a finance geek, I enjoy trying out new fintech products, including ewallets. It’s fun exploring what kind of perks and cashbacks each of them offer.
Ewallets in Malaysia – The Current Scenario
There are many companies trying to enter and compete in the ewallets scene in Malaysia. Last I checked, BNM listed 37 non-bank e-money issuers. I’m sure that list will keep growing in the next few years.
In time, I think we will see a few clear winners in this ewallet race, like what happened with Alipay in China. But for now, potential customers like you and me can have fun and enjoy being courted by these companies. Some of them are pretty generous with their welcome or referral bonuses – good for us!
Here are reviews of all the ewallets in Malaysia that I’ve tried out so far, and what I like about them. I have excluded banks and crypto ewallets from this list.
Now that elections is over, Ramadan mood is coming back in full force!
Let’s get straight to the point – both my sisters are boutique owners and OUT OF THE GOODNESS OF MY HEART I’m dedicating this post to promo their baju raya slash baju kurung 2018 collection. Both of you better be nice to me after this rofl.
Note: If you’re trying to save money, please skip this post. If you were looking for Raya clothes anyway, or sengaja nak cuci mata, scroll on 🙂
Sara of Jewelpie.com recently published how much she spent on beauty products. Loved it and was immediately inspired to show mine too!
To be fair, I don’t have a specific category for beauty costs. Most of the time they’re chucked in either Misc Needs or Misc Wants. If I needed those things urgently for an event or something, they’re logged into Misc Needs. If they’re just things I randomly picked up due to shopping mood, then they’re under Misc Wants.
Unlike Sara, I don’t know how much I spent on beauty annually. It fluctuates a lot – most of the time I keep it simple and spend very little, but I also did a RM3,600 dermafiller injection procedure, so that throws the whole annual average out of whack.
Doing things a bit differently, I drew out in my notebook: beauty expenses I spend on with the price range, what I splurge/skimp on, a frugal beauty habit, guilty pleasure and a beauty wishlist.
How Much I Spend On Beauty, A Visualisation
Analysing my beauty spending, I can see I prioritise services more than products. I am most satisfied by the more expensive ones, with the sole exception of eyebrow shaping – the eyebrow threading at Indian beauty shops are amazing and cheap, love them.
As for my makeup, it’s usually quite minimal. I only splurge on two things: sunscreen and eyeliner. Everything else I use regularly – face powder, eyebrow pencil, blush, lipstick, etc – is either cheap drugstore brands or gifted. I used to buy and use moisturisers, but now my skincare routine is mainly face masks + serum samples. Those little packs lasts for a surprisingly long time! I love getting them.
Do you know how much YOU spend on beauty expenses? What are beauty products or procedures you can’t live without? What’s in your wishlist, and what’s your guilty pleasure? What do you splurge and skimp on? Share with us!
Also, let me know what you think of the drawing! Don’t know if I should continue making more graphics and showing my notebook entries. See if this post got love or not 😛
I love Shopback, the cashback platform. In this article, I’m going to give you tips on using the platform for maximum cashback. Since opening an account way back in 2015, I’ve earned over RM2000 from it. The screenshot below is dated 18 April 2018.