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Being young and in debt is not 👎 a good idea. But university education is expensive, and just like many Singaporeans, I took a student loan 4 years ago 📚
4 years later, I’ve managed to successfully earn and save enough such that I can pay off my 30k debt before the interest kicks in 🎉.
Definitely not easy, but doing these things have helped make the journey so much easier.
1️⃣ Side Hustle
✨ If you want to save more, you gotta earn more ✨
It was definitely not realistic to work a full time job, so my side business contributed to most of my income. It was tough in the beginning but as things begun to pick up, I was earning a very solid income monthly.
🌟 Some side hustles to consider:
Running a business
Giving tuition
Part time jobs
🌟 Types of businesses you can do:
Lash business
Clothing brand
Providing a service
Consumer goods (my pick)
2️⃣ Budget
✨ Clubbing? Fancy restaurants? Go ahead but make sure to allocate resources towards it ✨
I don’t advocate for extreme measures like instant noodles daily or scrimping and saving to the point where you feel life is meaningless.
I still have social life, I still eat nice food, buy nice clothes. I just make sure to allocate money into this monthly so that I can satisfy my wants 😀
thrifting was a good way to spend less than my budget as well. I like to check out clothes at Refash, carousell, even my textbooks I sourced them on carousell as well.
3️⃣ Wait it out
🚫 I see it, I buy it 🚫
This is also another money saving tip. I used to buy things the first time I see it. However, after buying it, I realised it was quite an impulse buy and I don’t actually need it
Thus, I now wait 1-2 weeks and if I still like it, I will consider going back to the store to buy it. Or I will KIV it in my list of things I am looking for and check and see if it is available on carousell 😉
Hope these tips were helpful to you! Do follow me for more of such tips! I share more about my biz & uni life 🙂