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budgeting

Money Emergencies and How They Eff Up My Budget

money emergencies

I track my spending. All of it. In an app. Each purchase gets categorised – for example, rent money goes under the ‘Rent’ category and Tesco bill goes under the ‘Groceries’ category.

One of the categories is ‘Misc Needs’ – things that I have to buy anyway, but they don’t occur often enough to have their own category. They tend to be ‘money emergencies’. For example, things I have to fix or replace. But they’re also things I *have* to do, like haircuts.

I just want to share my observations about my spending patterns in this budget category.

Observation #1:  I think I’ve somehow upgraded my lifestyle in 2017

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35 Things That Happen When You’re Good With Money

good with money

I notice that these things happen to people who are good with money. Not saying I’m that great (OK OK only), but I try. They are based on personal experience and anecdotes collected from various personal finance-related forums, blogs and other sources online.

These are meant to be humourous, so don’t take them too seriously!

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How Much Was My Raya Spending in 2017? Exactly RM2,095

Raya spending

 

Selamat Hari Raya! Please forgive my many, many mistakes so far ye tengkiu lapchu.

I’ve written a couple of blogposts about Raya so far, namely:

But I’ve never written a post-Raya spending post-mortem, so that’s what I’m going to do. 2017 was my first Raya where money wasn’t an issue, so I was curious how it compared to previous Raya spending experiences. This is what I spent on this year.

#1 – Baju Raya

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The Comprehensive Guide to Save Money on Groceries in Malaysia

comprehensive guide to save money on groceries in malaysia

Some people love grocery shopping. Some people don’t.

I happen to belong to the first camp. I LOVE grocery shopping. It’s fun to go to the hypermarket and pick between yellow and red onions haha.

When I first started to budget, my initial research was all about how to save money on groceries before I ‘graduated’ to other topics.

There are lots of ways to save money on groceries in Malaysia. In this guide, I will share what I know. I hope you’ll find it useful for your next shopping trip. I divided this article into helpful shopping tools to have and things to do before, during and after the trip.

Related: Grocery shopping tips not relevant to you? See other money saving tips in this 50 Ways I Save Money in Malaysia article instead.

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