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
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!
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.
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.