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Warning: I am no financial expert, nor am I the most financially literate!!! Just sharing what has worked for me~ Would love to hear other tips on how to grow my wealth too!
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Lifestyle inflation when you spend more as your income increases. I am a HUGE victim of this!! I keep thinking I deserve MORE because Iβm working harder and getting paid more LOLLLL THEN I END UP BROKE π€£
At the start of this year, I decided to re-evaluate the things I spend on monthly and wow I RLY WASTE A LOT OF MONEY LOLOL so I wanted to reduce my excessive spending and started saving money π€ͺ
So far, Iβve saved about 4k (excl my fixed savings and investment accs) the past 2-3 months which is a huge improvement for someone who uses retail therapy as a convenient mental health reset LOLLL
Thereβs so much value in just sitting down and forcing yourself to count how much you spend a monthβ¦β¦β¦ I budget monthly TBH so a lot has to do with actually sticking to the planβ¦
Nowadays, when I go out, I try not to look at the items on display esp shops I know I have 0 control inβ¦ such as Dior beauty LOL i also try to eat out less often or go for more affordable options (sometimes i still eat like $30 meals la) i also stopped buying so many new bags every month and donβt cart out my taobao (8% gst is CRAZY)
Iβve been more conscious of my spending overall, I think twice before deciding on where I want to eat or if I really want that $6-8 coffee from an overpriced cafe π and i also realised how much i spend on myself (tbh i should be looking WAY BETTER considering how much i spend LMAO)
For next year I will probably not buy expensive nail packages anymore (but i love my nail lady thoβ¦. LOL)
ANYWAYS if uve read this far, what are some savings tips you have? I NEED THEM LOL I want to be a rich lady but I also like spending money HAHAHAH
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π Hope you found this helpful!
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