✨ (avatar)
updated 3 months ago
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To add on, on personal development, I completely cut out smoking and drinking. I only smoked during mental breakdowns but I’ve been learning to control my emotions better and not rely on external coping methods.

As for alcohol, I initially cut it out to lose weight. Then I realised not drinking makes my skin a whole lot better! And my bank account is much healthier, of course.

My aim for 2019 will be to get a job in an industry I love plus save more. Nothing is more satisfying than seeing my savings increase 😌 I’m aiming to have $50k (excluding CPF and after paying my student loans) by the time I turn 25, which is in two years time. Let’s see how that’ll go.

Previously when I was working full time, I managed to save about 50-60% of my pay every month and every pay increment was parked immediately inside my savings account.

Plus I give myself the budget of $5 per meal. Paired with the little discounts I get plus random surveys I do to get money... Hopefully I can hit my goal even when I’m travelling!

My pet peeve is really when people bring up my travels. πŸ™„ During the incident I had with my neighbours, a lot of netizens were adamant that if I don’t travel, we can afford a flat in a better location. πŸ™„πŸ™„πŸ™„

I just wanted to scream at them, do you even understand the cost of buying a flat?! But arguing with a fool proves that there are two. So I kept mum.

Ok I really shouldn’t be ranting so much but I’ve been financially independent since I was a teenager. I earned my first pay check at 15 doing freelance copywriting. So really, don’t tell me how to spend my money unless you’ve worked and saved as hard as me πŸ€ͺ

Even when I travel, I don’t do it luxuriously. I stay in hostels (yes even when I travel with my boyfriend), take overnight buses instead of domestic flights, calculate things down to every cent etc.

Surveys

I think that’s the easiest way to earn a little here and there cos you don’t need any qualifications. I’m on Milieu now. It’s been less than one month and I earned almost enough to cash out via PayNow!

If you’re interested in signing up use my referral code ok. ‼️ NMJKJ8 ‼️ Not sponsored but I get $1 for every successful referral LOL. $1 also money ok. If ten of you sign up I get $10 already πŸ™ƒ

#dayrefinance #dayresavings

Omg some of you actually signed up for Milieu! #influencer. Ok kidding HAHAHA.

Another survey website I’m using is happydot! I love happydot cos you get $10 voucher immediately upon registration + completing your welcome survey.

I just got mine the other day. The voucher can be used for Giant, Guardian, Cold Storage etc.

bit.ly/happydotsg

Here’s how Milieu looks like! It’s the most aesthetically pleasing survey app I’ve encountered so far. πŸ˜…

Tomato and I get quite a bit of joy out of comparing our scores cos we’re competitive like that. I can’t wait for him to realise the spike in my score when y’all complete the surveys needed for me to get the bonus scores πŸ˜‚

Day 102

Friday, 12 Apr 2019

25 7
isabelle (avatar)

isabelle Haha 50k at 25k is doable as long as you're disciplined with ur savings!! I didn't hit that πŸ˜‚ anw getting married + buying hdb is so expensive lor it's good to start saving early! Jiayou jiayou!

3 months ago

i_yune (avatar)

i_yune Jia you!! πŸ™ŒπŸΌ I’m trying to be more frugal too... just started an Excel sheet to track my expenses and figure out where I can cut down on spending πŸ˜–πŸ’ΈπŸ’ΈπŸ’Έ

3 months ago

bubbletea (avatar)

bubbletea @i_yune i do most of my spendings on credit card to get miles + occasional cashback. it’s easier to track my expenditure as well. i think a bulk of it goes to transport and food for most people

3 months ago

bubbletea (avatar)

bubbletea @isabelle oh nooo i totally forgot about how expensive it is to get married in SG πŸ˜… hopefully i don’t wipe out my savings before 25 on a wedding or i’ll never hit my goal ><

3 months ago

unicornfloss (avatar)

unicornfloss I’m on Milieu too. But the amount of surveys I am able to take is getting lesser and lesser...

3 months ago

Supermundane (avatar)

Supermundane Jia you! I’m 25 and I don’t have 50K πŸ˜… but you do you!! You’re young and if you stay disciplined, I’m sure you can do it

3 months ago

Onetwothreeforever (avatar)

Onetwothreeforever I signed up using your code!!! πŸ˜†

3 months ago

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