Tips - eat at a regular mamak/kopi shop, sooner or later the worker, boss, regular customers all know u. How to feel bad?

U won't get this kinda atmosphere at Starbucks, McD, Station One etc, only neighbourhood eateries where ppl talk obscenities, swear and laugh loudly got it

Haha...I hit 3/10, so maybe quarter-monk?

Agreed.

any watching "The Pursuit of Happyness"


it possible...

thanks for the articles.i try to save money too but i have too many items in my " want to buy list " how to get rid all this ? sigh

awesome show

1)Happy take bus, - Take bus and mrt, save car, petrol, road tax, insurance.
2)Happy tappao cheap n eat alone - Always do that 1 veggie and 1 meat - $2.10 for lunch
3)Happy with work regard how the work environment, - work stress or not, still need to work, so why not start with happy.
4),Happy stay in afforable place, - My room rental affordable, with air-con + unifi
5)Happy without gf, - no gf, can save more money.
6)Happy without clubbing - retired from clubbing since 18, dont like to drink alcohol =P
7)Happy staying home without going shopping/movie on weekend... - stay home watch movie online, save money
8)Happy to work overtime, - more $$ happyyy
9)Happy cant spend on expensive phone - err.. maybe work for v long then buy things u like xD
10)Happy cut botak hair, - nop..

I can apply become monk d

In before some forumer mentioned that saving money is useless. The key to get rich is to earn more and more!

If you earn more and more but never care on your spending and savings, no use also.

2) $2.10? SGD or RM? Nowadays mix rice like that at KL also easily RM3.00
3)
6) As my friend say, REAL drinkers drink at kopi shop, cos it's way cheaper and talk c0ck at kopitiam with apeks beats noisy music at clubs anytime

2) SGD lo.. walao if convert become RM5++ sakit hati
3)
6) I cannot drink, 1 sip is all it takes to make my face n body becomes red devil. Then again, smoke smell, overcrowded people, loud music.. come out already 1/2 pekak. Price also expensive

My opinion in saving money.

Once salary out, save 40% of it into the bank acc which is untouchable.

Die die spend within the 60% in that month. If there is a will there would be a way.

But yea, my method would be save first before you spend anything. Instead of spend first and save whatever leftover later. MEH.

Confirmed monk!

better save than sorry later..be moderate..

Make sure you save for the emergency fund first no matter how!

The rule to save alot :

1) Save Minimum 70% into savings account
2) 10% Entertainment
3) 20% Food & Transport

70% into saving? You must be kidding unless you have no commitments on any loan.

No need to give parents allowance?

If u earn RM5K u can use 20% for food and transport. But if someone is earning RM2K and u expect him to use 20%...

The rule applies to, even you earn RM 1000, save 70% and the remaining 30% is used for food & transport, if not enough, take the required balance from 70%

thx for sharing