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While analyzing my spending for the past few years, I was quite shocked at how easily I overlooked small expenses that slowly drained my wallet. Individually they may not seem much, but collectively, they made a substantial impact! Here were some examples of my mindless spending and how it hit me in the long run โ ๏ธ
๐ ๐จ๐ซ๐ ๐๐ญ๐ญ๐ข๐ง๐ ๐ญ๐จ ๐๐ข๐ฅ๐ ๐๐ฅ๐๐ข๐ฆ ๐๐จ๐ซ ๐ฆ๐ข๐ฌ๐ฌ๐ข๐ง๐ ๐๐ง๐ญ๐ซ๐ข๐๐ฌ ๐ข๐ง ๐๐ข๐ฆ๐ฉ๐ฅ๐ฒ๐๐จ
๐ธ $167 - total that I can claim refund for last year!
๐ซ When days go crazy during rush hours โ my transit cards or the reader itself simply doesnโt work. Everything piled up in transactions and ends up overcharged (around $14 per month). As per SimplyGo, claims can only be filed for transactions that are up to 60 days after the date of the incident. Took me a year to realize that I paid incorrect fares!!
โ๏ธNow I make it a habit to check my trip transactions every end of month to ensure all are accurate and complete. From SimplyGo app > Trip Details > Filter by 1 month > Find Missing Entry > File Claim. This will only take 3 mins to fill and upon approval will automatically refund to your credit/debit within 15 working days.
๐๐จ๐ง๐ฏ๐๐ง๐ข๐๐ง๐๐ ๐ฉ๐ฎ๐ซ๐๐ก๐๐ฌ๐๐ฌ ๐จ๐ฏ๐๐ซ ๐๐จ๐ฌ๐ญ-๐๐๐๐๐๐ญ๐ข๐ฏ๐๐ง๐๐ฌ๐ฌ
๐ธ $45 per month for single-use products and delivery fees
๐ซ Buying water bottles, and plastic bags for groceries instead of bringing reusable ones, always booking for food deliveries instead of walking to the nearby hawker, these can all accumulate expenses and contribute to the growing waste problem. There was one weekend, I bought over 6 bottles throughout the whole day when I could have just refilled a bottle and saved those $12 for something else.
โ๏ธ I placed a go-to bag near my exit door which includes a reusable bottle, foldable shopping bag, and my own cutleries! This serves me a reminder to never leave my house without it! Every Sunday, I plan my meals ahead and do home cooking for breakfast and lunch then walk to a nearby hawker for dinner. This helps me to control my urge in ordering food delivery and try to use it only when really needed.
๐๐๐ฆ๐ข๐ญ๐ญ๐ข๐ง๐ ๐ฆ๐จ๐ง๐๐ฒ ๐ฐ๐ข๐ญ๐ก๐จ๐ฎ๐ญ ๐ฉ๐ฅ๐๐ง๐ง๐ข๐ง๐ ๐๐ก๐๐๐ ๐๐จ๐ซ ๐๐ฑ๐๐ก๐๐ง๐ ๐ ๐ซ๐๐ญ๐๐ฌ ๐๐ง๐ ๐๐๐๐ฌ
๐ธ 2-5% lost from my initial transfer amount
๐ซ I send regular monthly remittances to my family in the Philippines, thanks to the SG > PH transfer process which is relatively easy and convenient. Initially, I use traditional banks like DBS or UOB to transfer without planning ahead for exchange rates and fees. But this led me to unforeseen costs and end up losing a significant portion of my funds during conversion.
โ๏ธ To avoid hidden costs and make the most of my SGD, I monitor currency fluctuations and consider timing my transfer when rates are more favorable. I.e middle of the week, middle of the month, not a holiday season. Instead of making multiple small transfers, consider consolidating larger sums to save on fees. Can try online remittance platforms like Wise or Remitly, but be mindful of transfer speed, faster transfers often come with higher fees, so weigh the urgency against the cost. Make use of promotions and discounts to save up on fees!
๐ ๐จ๐ซ๐ ๐๐ญ๐ญ๐ข๐ง๐ ๐ญ๐จ ๐๐๐ง๐๐๐ฅ ๐ฆ๐ฒ ๐๐ซ๐๐ ๐ญ๐ซ๐ข๐๐ฅ๐ฌ
๐ธ $157 - total recurring from fitness, productivity tools, and streaming apps I donโt use
๐ซ Signup here and everywhere โ free trials have become a popular marketing strategy for various online services and subscription-based platforms. While they offer a fantastic opportunity to explore new services without immediate charges, I have fallen victim to the allure of free trials, only to forget to cancel them before they turn into paid subscriptions.
โ๏ธ Itโs crucial to be proactive. When signing up for a free trial, I will now set a reminder in my calendar or alarm with multiple alerts to โCancel Item Xโ before the trial period ends. Take note of platforms that allow you to cancel immediately after signing up, assuring you wonโt be charged once the trial period is over. Review bank statements regularly for recurring charges! This way you can quickly spot any unwanted charges and take necessary actions to cancel subscriptions promptly.
๐๐ซ๐จ๐ฌ๐ฌ๐ข๐ง๐ ๐๐จ๐ซ๐๐๐ซ๐ฌ ๐ญ๐จ๐จ ๐จ๐๐ญ๐๐ง
๐ธ Too many to count โ ๏ธ
๐ซ After pandemic restrictions were lifted, the ease of hopping over to JB or Batam for retail therapy or dining out may seem harmless, but the costs really add up swiftly. I got addicted for the past few months and it led me to a trap of mindless spending. From impromptu shopping sprees to indulging in expensive coffee shops, itโs effortless to get carried away. Yet, without proper budgeting and self-control, what appears to be savings at the moment can translate into significant expenses when totaled over time.
โ๏ธ Itโs essential to set a clear budget and prioritize needs over wants. Plan ahead for the trip, identify specific items or experiences to enjoy, and stick to the designated spending limit. Additionally, consider alternatives like researching for the best deals in Singapore before crossing the border, some you can even buy here for less! By being mindful of your spending habits and making informed choices, you can turn your weekend excursions into delightful experiences without breaking the bank. Remember, itโs about finding the balance between indulgence and responsible financial planning.