How I reach my financial goal for 2024 !!

Hey Zesties💛

I was calculating my finances and savings and I got so happy when I finally reached my goal for the year !! They say hustle hard and play hard and i gotta say YES to that, but it doesn't mean spending beyond your means or living pay check to pay check 🙅🏻‍♀️

A little on my background : I grew up with living in a low income family who constantly requires help from schools, always applying for financial assistance schemes so that I could get things required for school. Moving on to polytechnic, I paid for my school fees while doing part time job. Now i'm a freelance working adult, trying to save as much as i can !! I would say my past taught me about #mindfulspending made me who I am today. So here's some tips I would like to share with you 🤓

1) ALWAYS KNOW YOUR WANTS AND NEEDS - okay i think this is basic, we all have wants and needs and it all boils down to how much discipline we have. I always ask myself do i really need that item, will I die without it? If the answer is no then it'll stay in my cart but it will never be carted out. Sales are a big factor to make people buy things, but there will always be sale !!!!!! So what I like to do is to look for sale items and ask myself the same questions. I have a soft spot for clothing pieces so it takes A LOT of discipline to stop myself. What I would also tell myself is that I can use this amount of money to travel which is so much better than this piece of clothing that I want. But once in awhile, i'll spend some money to but a clothing just to spoil myself and live life a little💛

2) MEAL PREP - this one is so so important to me because not only it is cheaper, it also makes me eat out less which means HEALTHIER !! less oil, less sodium, and I can control the portion which makes me waste lesser food ! My favourite prep now is OATMEAL with my favourite fruits💚 You can also cook dishes like vegetables and meat of your choice and bring it to work, i love it so much💚 I also lost some weight because I am eating out lesser🌱 10/10 recommend !!

3) ECONOMIC RICE WINS - every time i have to eat out on my own, I'll ALWAYS choose economic rice A.K.A cai png because I can choose my dishes and make it healthier, I can ask for no rice/less rice, and it is also super affordable !! This cai png in the picture cost me $3.90!

4) MY 70/30 RULE - everytime it's pay day, i'll always cater 70% of it to my savings and 30% for spendings for the month. I pay monthly allowance to my mom and house bills to my sister through the 70%. Spendings for each month I aim for about $600 or less. It includes transportation, food, shopping and everything else.

5) SET GOALS - set realistic goals !! you'll definitely have the motivation to work towards it when you keep seeing the bank 🌱🌱 !!! I always do this and it makes it so REWARDING and FULFILLING !!!

Overall it is really important to save and control your spending but don't forget to pamper yourselves too ! Know what you want exactly out of it and always SAVE !! Always be calculative in terms of checking how much you've spent, can be through app or jotting it down. My boyfriend told me "it's not your money if you're not using it, it's the bank's money!" 😂 Work hard enjoy later !! Jiayous everybody and hustle hard for your goals and future !! 💛

Thank you for reading and see you on my next one !!🤓

#MoneyTips #MyFreeTime #RealTalk #WhyILemon8 #Lemon8Diary #Lemon8SG #GirlTalk #savingtips #finance