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

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

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